Flood insurance · Hermitage, TN
Flood Insurance for Hermitage and Metro Nashville Homes
Standard home, condo and renters policies generally leave flood out. We can look at your Hermitage address together and talk through whether a flood policy makes sense for you.
Dustin Rodgers and team
Serving Hermitage from our Mt. Juliet office
Your local agent
Most Hermitage policies leave flood out
Homeowners, condo and renters policies generally exclude flood, and that surprises a lot of people in Hermitage. Flooding can happen outside mapped flood zones, so coverage can be worth a look even in a lower-risk zone. A separate flood policy can cover the building, your belongings or both. New policies usually need 30 days to start, so the best time to ask is on a dry, sunny day.
Coverage
What Hermitage Flood Insurance Can Cover
A flood policy has two parts, building and contents, each with its own limit and deductible. Depending on the policy, it can help with:
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Your home’s structure
Can help with flood damage to the foundation, walls, floors, stairs, electrical and plumbing systems, furnace and water heater.
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Belongings
Can help replace furniture, clothes, electronics and appliances like a freezer or washer. Contents coverage is bought separately from building coverage.
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Condo units
Condo owners can insure their unit and belongings, alongside whatever the association’s master flood policy covers.
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Renters’ contents
Renters can buy a contents-only policy for their belongings.
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Mud and debris
Clearing out silt and ruined materials from an insured building may be part of the claim, up to the limits.
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Getting ready
If a flood is about to hit, some steps like sandbagging or moving things to safety may be partly covered, under the policy’s rules.
Flood coverage is subject to policy terms, eligibility and availability. NFIP policies generally exclude temporary living expenses, vehicles and most property outside the building, and they limit coverage in basements. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What We’ll Sort Out
Here’s how I’ll help you build a Hermitage flood policy:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Look up your flood zone and map panel together
- Insure the building, your belongings, or the two together
- Compare an NFIP policy with private flood options, where available
- Pick deductibles you’d be comfortable paying
- Set a start date with the 30-day wait in mind
Around Hermitage
Flood Risk in Hermitage
Hermitage is part of Metropolitan Nashville and Davidson County, so its NFIP community is Metro Nashville-Davidson County, not a separate city. FEMA’s Community Status Book lists Metro Nashville as a participating NFIP community.
Heavy rain, creeks and lake levels all play a part in flood risk around Hermitage, which sits near Percy Priest Lake, the Stones River and several smaller creeks. Flooding can happen outside mapped zones, so your address and your home’s elevation are a better guide than distance from the water alone.
You can check a Hermitage address on FEMA’s Flood Map Service Center. I’m happy to go through the results with you.
Sources: FEMA: NFIP Community Status Book, Tennessee · FEMA Flood Map Service Center
Plan around the 30-day wait
New National Flood Insurance Program coverage generally has a 30-day waiting period. It can start sooner if it’s bought as part of making, increasing, extending or renewing a mortgage, and some properties that a new map places in a high-risk zone have a one-day wait. Starting the conversation early simply gives you more choices.
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 Hermitage (37076), Old Hickory, Donelson, Mt. Juliet, Lebanon, Watertown and nearby Middle Tennessee communities.
Our office is on Providence Pkwy in Mt. Juliet, a few exits east of Hermitage on I-40, so it’s an easy stop on the way home or a quick call if that’s easier.
Closer to Lebanon? See flood coverage in Lebanon.
Why a local agent
Why Hermitage Neighbors Call Us About Flood
- Plain answers: what your zone means and what a policy does and doesn’t do.
- Coverage that fits together: flood alongside your home, condo or renters policy.
- Timing help: we’ll plan around the 30-day wait on new policies.
- Close by: our Mt. Juliet office is a short drive east on I-40.
- Help with a claim: if you ever need to file, we’ll help you get started and know what to photograph.
Reviews
What Hermitage Neighbors Say
Hermitage and Davidson County clients have left Google reviews about how my office treated them. You can read them there, and post one yourself.
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
Hermitage Flood Insurance FAQs
Updated
Is Hermitage in the National Flood Insurance Program?
Hermitage is part of Metro Nashville-Davidson County, and FEMA’s Community Status Book lists Metro Nashville as a participating NFIP community. That means NFIP flood policies are available for eligible Hermitage properties. Status can change, so we’ll confirm it when we quote.
Hermitage isn’t a city. Whose flood maps apply?
Metro Nashville’s. Hermitage addresses fall under Metro’s floodplain rules and FEMA’s maps for Davidson County. You can search your address on FEMA’s Flood Map Service Center.
I’m not in a high-risk zone. Should I still think about flood?
It’s up to you, and it’s worth a conversation. Flooding can happen outside mapped flood zones. Flood policies for lower-risk zones are available, and lenders generally require flood insurance only in high-risk zones.
When does a new Hermitage flood policy take effect?
Most new NFIP policies have a 30-day waiting period. Coverage purchased with a new, bigger, extended or renewed mortgage is an exception, and some properties a new FEMA map places in a high-risk zone wait just one day. Private flood insurers decide their own timing.
How do Percy Priest Lake and the dams fit in?
The lakes and dams around Hermitage are managed by the U.S. Army Corps of Engineers. For any one home, local rain, creeks, drainage and elevation usually matter more than a single landmark, so your flood zone and your home’s elevation are the better guide.
I own a Hermitage condo. Doesn’t the HOA’s flood policy cover me?
It might cover part of the building, if the association carries flood coverage at all. Your belongings and your unit’s interior usually need their own coverage. Ask your association for its insurance statement, and I’ll help you read it.
Can renters in Hermitage get flood coverage?
Yes. Renters can buy contents-only flood coverage for their belongings.
Does flood insurance pay for a hotel if I have to leave?
NFIP policies generally don’t cover temporary living expenses. Some private flood policies offer this, depending on the policy and availability.
What should I have ready for a Hermitage flood quote?
The address, foundation style, roughly when the home was built, how many floors it has and any elevation certificate. If you’re in a condo, the association’s master policy details help too. Then call 615-562-5100 or use the form.
Get a Hermitage Flood Insurance Quote
Ring us at 615-562-5100 or use the form below. Let us know the Hermitage address, what the home sits on (slab, crawlspace or basement), the approximate build year, and whether there’s an elevation certificate.
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