Water damage restoration · La Vergne, Tennessee
Water damage restoration in La Vergne, TN
Burst pipe, failed water heater, or storm water? La Vergne-area ZIPs: 81 flood claims since 1979[1]; 16% of homes built before 1980[2]. Request help from local restoration crews. La Vergne, in Rutherford County — ZIP 37086, counts 42,146 residents (2025 estimate)[3].
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La Vergne at a glance for water damage
- Population (2025 est.)
- 42,146[3]+8.9% since 2020
- County
- Rutherford[3]
- Land area
- 24.7 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 81 since 1979[1]$1,409,941 paid across 62 claims · ZIP 37086
- Flood & flash-flood reports within 10 mi
- 44[5]2016–2025 · latest Apr 3, 2025
- Winter-storm & freeze days, rutherford zone
- 25[5]2016–2025; hard freezes burst pipes
- Federal disaster declarations incl. flooding, Rutherford Co.
- 4[6]of 11 total declarations
- Homes built before 1980
- 16%[2]the 5th-lowest share of the 13 Nashville-area suburbs we cover
- Households renting
- 26%[2]2020–2024
What the local data means for water damage in La Vergne
La Vergne is one of the most established suburbs tracked here — 42,146 people (2025 estimate), up just 8.9% since 2020[3]. It covers 24.7 square miles (1,705 residents per square mile, the 6th densest), sits entirely in Rutherford County, in ZIP code 37086[4].
La Vergne mixes 16% of homes built since 2010 and 16% before 1980[2]: new supply lines and water heaters in one house, aging pipe and original valves in the next — so where a leak starts depends a lot on the address.
The entire city sits in ZIP code 37086[7].
The closest tracked neighbours are Smyrna (4.1 mi SE), Nolensville (7.7 mi SW) and Brentwood (12.0 mi W)[4].
81 flood-insurance claims have come from La Vergne-area ZIP codes (37086) since 1979, and $1,409,941 has been paid on them (about $22,741 per paid claim)[1]. 2010 was the worst year, with 30 claims. That is the 3rd-fewest of the 13 Nashville-area suburbs we cover; for comparison, Smyrna (133), Nolensville (41), and Brentwood (464). Most jobs here start inside the house. Of the 78 claims rated in a flood zone, 37 were in FEMA's high-risk areas (zones A or V) and 41 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, La Vergne-area flood claims cluster in April (7), May (37), and September (14) — 58 of 81 dated claims[1].
Within 10 miles of central La Vergne, weather observers filed 44 flood, flash-flood or heavy-rain reports in 2016–2025 (29 flash floods)[5]. Countywide: 4 flood declarations since 2000, latest Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (EM-3625, 2025)[6]. Nearby: Smyrna (40), Nolensville (55), and Brentwood (58).
16% of La Vergne's 13,972 housing units predate 1980[2] — the 5th-lowest share of the 13 Nashville-area suburbs we cover (Smyrna (21%), Nolensville (7%), and Brentwood (22%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
Freeze days in the rutherford zone: 25 in 2016–2025, latest Jan 9, 2025[5]. Nearby: Smyrna (25), Nolensville (28), and Brentwood (28).
74% of La Vergne households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Measured against the 13 suburbs on this site, La Vergne records the 2nd-lowest median home value ($309,900)[2], the 3rd-fewest NFIP flood claims (81)[1], and the 3rd-lowest renter share (26%)[2].
How a leak spreads inside a wall
Give a leak time and it travels — outward across the floor, upward into drywall by capillary action.
La Vergne storm calendar
Within 10 miles of La Vergne, 2016–2025: 29 flash-flood reports, 12 flood reports, and 3 heavy-rain reports[5]. Peak: spread out; February, April, and September held 57%. Busiest year 2020 (15); 1 of 10 years had none. Busiest month September 2020 (12). Latest: flash-flood report, Apr 3, 2025, 6.7 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Feb | 4 | – | – | 4 |
| Mar | 2 | 1 | – | 3 |
| Apr | 4 | 2 | – | 6 |
| May | – | 1 | – | 1 |
| Jun | – | 2 | – | 2 |
| Jul | 3 | – | – | 3 |
| Aug | 1 | 1 | – | 2 |
| Sep | 12 | 2 | 1 | 15 |
| Oct | – | 1 | – | 1 |
| Nov | 1 | 1 | 2 | 4 |
| Dec | 2 | 1 | – | 3 |
Finding water damage help around La Vergne
Water damage restoration contractors taking requests around La Vergne cover ZIP code 37086.
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: La Vergne homes by building type
With 80%[2] of homes detached, most La Vergne water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is attached house (townhouse, rowhouse): 1,248 of 13,972 housing units[2].
La Vergne also has 783 mobile homes (5.6%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 11,119 | 79.6% | ±609 |
| Attached house (townhouse, rowhouse) | 1,248 | 8.9% | ±310 |
| Duplex (2 units) | 11 | 0.1% | ±17 |
| 3–4 units | 398 | 2.8% | ±179 |
| 5–9 units | 224 | 1.6% | ±130 |
| 10–19 units | 147 | 1.1% | ±140 |
| 20–49 units | 29 | 0.2% | ±33 |
| 50 or more units | 13 | 0.1% | ±21 |
| Mobile home | 783 | 5.6% | ±221 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
La Vergne by the numbers
| Measure | La Vergne | Median of 13 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 81 | 186 | 105 fewer |
| Renter-occupied | 26% | 36% | 10 pts lower |
| Built before 1980 | 16% | 21% | 5 pts lower |
| Median home value | $309,900 | $402,100 | 23% lower |
| Owner-occupied | 74% | 64% | 10 pts higher |
| Flood reports (10 mi) | 44 | 40 | 4 more |
| Median year built | 2001 | 2002 | 1 year older |
Largest differences first. Medians are the middle value across the covered Nashville-area suburbs, from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| La Vergne | 81 | 44 | 25 | 16% | 26% |
| Smyrna 4.1 mi | 133 | 40 | 25 | 21% | 43% |
| Nolensville 7.7 mi | 41 | 55 | 28 | 7% | 6% |
| Brentwood 12.0 mi | 464 | 58 | 28 | 22% | 10% |
| Mount Juliet 12.5 mi | 250 | 46 | 26 | 9% | 28% |
| Murfreesboro 14.0 mi | 186 | 17 | 25 | 18% | 48% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 37086 | 81 | $1,409,941 | 2010 (30) | 41 of 78 |
ZIPs extend past city limits. Outside high-risk zones: claims rated in zone B, C or X, of the claims that carry a zone.
| Year | Claims |
|---|---|
| 2021 | 1 |
| 2020 | 8 |
| 2019 | 1 |
| 2018 | 2 |
| 2017 | 4 |
| 2013 | 7 |
| 2010 | 30 |
| 2006 | 2 |
| 2004 | 2 |
| 2003 | 12 |
| 2000 | 2 |
| 1999 | 1 |
| Month | Claims |
|---|---|
| January | 3 |
| February | 3 |
| March | 1 |
| April | 7 |
| May | 37 |
| June | 3 |
| August | 6 |
| September | 14 |
| October | 2 |
| November | 2 |
| December | 3 |
| Date | Type | Distance |
|---|---|---|
| Apr 3, 2025 | Flash Flood | 6.7 mi |
| May 9, 2024 | Flood | 7.5 mi |
| Sep 3, 2022 | Flash Flood | 9.8 mi |
| Sep 2, 2022 | Flood | 9.8 mi |
| Aug 19, 2022 | Flood | 8.1 mi |
| Jul 25, 2021 | Flash Flood | 9.0 mi |
| Mar 28, 2021 | Flash Flood | 9.5 mi |
| Feb 27, 2021 | Flash Flood | 3.3 mi |
| ZIP (ZCTA) | Share of La Vergne's land | Share of the ZIP inside the city |
|---|---|---|
| 37086 | 95% | 95% |
Common La Vergne water damage questions
Do I need flood insurance in La Vergne?
Homeowners policies exclude outside floodwater[9], and La Vergne-area ZIPs have 16 NFIP claims in just the last ten years[1].
Which La Vergne ZIP codes do these crews cover?
37086[7], in Rutherford County. Nearby pages: Smyrna (4.1 mi), Nolensville (7.7 mi), and Brentwood (12.0 mi)[4].
When was the last flood report near La Vergne?
Apr 3, 2025: a flash flood report 6.7 miles from the city center[5].
Sources
- OpenFEMA NFIP claims
- Census ACS 2020–2024 5-year (keyless bulk)
- Census population estimates, Vintage 2025
- Census Gazetteer 2025
- NOAA Storm Events Database
- OpenFEMA disaster declarations
- Census 2020 ZCTA–place file
- FEMA, Flood Zones (link unverified)
- FEMA FloodSmart (link unverified)
Data pulled Sep 28, 2026. Full citations and method.