Flood insurance · Gallatin, TN
Flood Insurance for Gallatin Homes Near the Creeks and the Lake
Town Creek, East Camp Creek and Old Hickory Lake are part of everyday life in Gallatin. Most home and renters policies leave flood out, so let’s talk about whether a flood policy fits.
Dustin Rodgers and team
Serving Gallatin from our Mt. Juliet office
Your local agent
Flood coverage for Gallatin homes, in plain terms
Gallatin has creeks running through town and Old Hickory Lake to the south, and heavy rain is a normal part of Middle Tennessee weather. Flood damage generally isn’t covered by homeowners, condo or renters insurance. A separate flood policy can cover the building, your belongings or both, and a new policy usually needs 30 days to start. A quick conversation about your address can help you decide whether it makes sense.
Coverage
What Gallatin Flood Insurance Can Cover
In Gallatin, as anywhere, a flood policy treats the house and your belongings as two separate pieces with their own limits and deductibles. Coverage may include:
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The building
Can help with flood damage to the foundation, walls, flooring, wiring, plumbing, HVAC and built-in appliances.
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Your belongings
Can help replace furniture, clothing, electronics and appliances. Contents coverage is a separate choice.
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Renters and condo owners
Renters can buy contents-only coverage, and condo owners can insure their unit and belongings.
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Hauling it away
Getting mud, ruined drywall and flood debris out of an insured home can be part of a covered claim, up to the limits.
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Protecting your property
May help with some costs of protecting insured property from an imminent flood, subject to terms.
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Outbuilding on the lot
A detached garage may get some protection under the building portion, as the policy spells out.
Every flood policy is subject to its terms, eligibility and availability. Under the NFIP, cars, hotel stays while you’re displaced and most things outside the walls usually aren’t included, and basement coverage is narrow. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
How We’ll Set It Up
A Gallatin flood policy usually comes down to these steps:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Check your flood zone and whether the property is near a mapped floodway
- Pick the structure, what’s inside it, or both
- Compare NFIP and private flood options, where available
- Find or order an elevation certificate if it would help
- Choose a start date that allows for the 30-day wait
Around Gallatin
Flood Risk in Gallatin
Town Creek runs through downtown Gallatin and joins East Camp Creek, which flows into Old Hickory Lake. The city and the U.S. Army Corps of Engineers have worked together on a flood risk reduction project centered on a detention area at Triple Creek Park.
Heavy rain, creeks and lake levels all shape how water moves through Sumner County. Flood zones are a helpful starting point, and homes outside high-risk zones can still have flood losses, so we look at each address on its own.
NFIP flood policies are available for eligible properties in participating communities, and we’ll confirm the current status for your address when we quote. If you’re buying, it’s smart to check a property’s flood zone before you make an offer.
Sources: DVIDS · WSMV: new project to potentially decrease flooding in parts of Gallatin · City of Gallatin: Floodplain · FEMA Flood Map Service Center
Give the waiting period some room
Under the National Flood Insurance Program, there’s generally a 30-day waiting period before a new policy kicks in. The main exceptions: coverage tied to a mortgage being made, increased, extended or renewed, and a one-day wait for some properties FEMA has just mapped into a high-risk zone. Looking into it during a calm week gives you time to compare options without any rush.
Sources: FEMA FloodSmart: buying a flood policy · FEMA: 30-day waiting period for a new NFIP flood policy · FEMA: homeowners insurance does not include flood
Areas we serve
Areas I Serve
I work with homeowners, condo owners and renters in Gallatin (37066), Hendersonville and Sumner County, plus Mt. Juliet, Lebanon, Watertown and nearby communities.
Our only office is in Mt. Juliet, so most Gallatin clients work with us by phone and email. If you’d rather sit down in person, you’re always welcome at our Providence Pkwy office.
Closer to Hermitage? See Hermitage flood insurance.
Why a local agent
Why Gallatin Families Ask Us About Flood
- We’ll look up your zone with you: and explain the map in plain English.
- A start date that works: with the waiting period planned for.
- Flood beside your other coverage: home, condo or renters, all reviewed together.
- By phone or email: no trip to Mt. Juliet needed.
- If you ever need to file: we’ll walk you through what to document and who to call.
Reviews
What Gallatin Neighbors Say
Families from Sumner County and our Wilson County neighbors have posted about working with my office. Read their reviews on Google, or leave one of your own.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Gallatin Flood Insurance FAQs
Updated
Is Gallatin in the National Flood Insurance Program?
NFIP flood policies are available for eligible properties in participating communities. We’ll check FEMA’s current listing for your address’s community when we quote.
I live near Town Creek. What should I know?
Town Creek runs through downtown, and the city and the Corps have worked on a project to reduce flood risk along it. A project like that doesn’t change your policy options on its own. Your flood zone and your home’s elevation are the best guide, and we can look at both with you.
How do I check my Gallatin flood zone?
Search your address on FEMA’s Flood Map Service Center, or ask the City of Gallatin about local floodplain rules. I’m glad to look it up with you.
If I buy flood coverage today, when am I protected?
Usually not for about a month. NFIP policies generally carry a 30-day waiting period, with exceptions when the coverage is tied to a mortgage being made, increased, extended or renewed, or a one-day wait after some FEMA map changes. Private insurers set their own waiting periods.
My lender didn’t require flood insurance. Do I still need it?
It’s your decision. Lenders generally require flood insurance only in high-risk zones, and flood policies are available in lower-risk zones too. Heavy rain can affect homes outside mapped zones, so it may be worth a short conversation.
Does flood insurance cover rising water from Old Hickory Lake?
A flood policy is designed to cover direct physical damage from a flood, whether it comes from a creek, a lake or heavy rain, subject to the policy terms. Damage to docks, boats and property outside the building generally isn’t covered.
Can renters in Gallatin buy flood insurance?
Yes. Renters can buy contents-only flood coverage for their belongings. The landlord insures the building.
Does flood insurance cover my basement or crawlspace?
Basement and crawlspace coverage is limited. Some equipment like a furnace or water heater may be covered, but most finished areas and belongings below ground level aren’t covered under NFIP policies. Private policies vary.
What should I gather before calling about Gallatin flood coverage?
The street address, how many stories the house has, whether it sits on a slab, crawlspace or basement, and any elevation certificate from a past sale or survey. With that, a phone call to 615-562-5100 or the form gets us started.
Get a Gallatin Flood Insurance Quote
Give us a call at 615-562-5100 or send the form below. It helps to know how the house sits on its lot (slab, crawlspace or basement), roughly when it was built, and whether an elevation certificate exists for it.
Stop By or Call Our Mt. Juliet Office
Have a question about flood insurance or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed