HomeTennesseeMontgomery County

Montgomery County, Tennessee

A shallow water table limits basements on 25% of Montgomery County's mapped land. Shrink-swell clay limits houses without basements on 1%.

100% of the county is in drought on the October 13, 2026 Drought Monitor map. FEMA's flood data list 80 flood losses here since 2016, 5% of them in buildings with basements. 25% of homes were built before 1980, against 50% nationally; the median home dates from 1998.

Data as of October 13, 2026 · sources

1%

expansive clay: shrink-swell limits slab homes

25%

high water table: limits basements

100%

in drought, October 13, 2026

25%

of homes built before 1980

Soil under Montgomery County

Expansive clay (limits slab homes)0.6%
High water table (limits basements)24.9%
Septic fields very limited65.4%
Clay swell (LEP, by area)3.1%
High-swell land (LEP 6%+)0.6%
Mapped soil342,386 acres
Soil seriesShare hereSeries nationally: high water table
Sengtown30%n/a
Mountview10%n/a
Baxter8%n/a
Pembroke7%n/a
Dickson6%n/a
Pickwick6%n/a
Cheatham County: 19%Houston County: 13%Stewart County: 27%Dickson County: 12%Todd County: 29%Christian County: 34%Robertson County: 32%Trigg County: 13%Montgomery County CheathamHoustonStewartDicksonToddChristianRobertsonTriggMontgomery
Montgomery County (heavy outline) and nearby counties, shaded by high water table share.under 10%10-25%25-40%40-60%60%+

How we count · survey areas TN125 (2025-08-29)

What the numbers mean here

On 25% of Montgomery County's mapped land, soil stays saturated within about 6 feet of the surface for part of the year, which is basement depth.

Rain over the 12 months to August 2026: 35.28 in, 17.03 in below the 1991-2020 average year of 52.31 in.

USDA rates 65% of the land very limited for septic absorption fields.

Drought

100% of the county is in drought (D1 or worse) on the October 13, 2026 map. Part of the county was in drought in 33 of the last 52 weeks; the most was 100% of its area, in 24 weeks, most recently on the October 13, 2026 map.

October 21, 2025Share of area in drought, weeklyOctober 13, 2026
Category, October 13, 2026Share of county
D0 abnormally dry or worse100%
D1 moderate drought or worse100%
D2 severe or worse11.4%
D3 extreme or worse0%
D4 exceptional0%

Flood losses since 2016

80 flood losses since 2016, $3.3 million paid. The worst year was 2025, with 43. Foundations of the buildings, where recorded: 5% basements, 10% slabs, 47% crawl spaces, 37% elevated. Median water depth outside the building: 21.5 in.

YearFlood losses
201614
20177
20181
20192
20202
20213
20221
20230
20247
202543
2026 to date0

Rain

Average year, 1991-202052.31 in
12 months to August 202635.28 in (-17.03)
202553.94 in (+1.63)
Wettest year since 18951979: 69.42 in
Driest year since 18951941: 32.33 in
Days with 1 inch or more, normal at CLARKSVILLE WWTP (4 mi away)14.9

Homes

Housing units93,445
Median year built1998
Built before 198025%
Built 2000 or later47%
Owner-occupied62%
Median value, owner-occupied$280,200
Single-family detached71%

What repairs cost

Published ranges from cost guides, not quotes. More sources, and where they disagree.

WorkRangeSource
Basement waterproofing, US $3,000 to $10,000 Fixr, February 6, 2026
Sump pump installation, US $800 to $2,000 Fixr, January 31, 2025
Crawl space encapsulation, US $2,000 to $8,000 Fixr, August 29, 2025

Nearby counties

PlaceDistanceExpansive clayHigh water table
Cheatham County, TN 23 mi under 1% 19%
Houston County, TN 23 mi 0% 13%
Stewart County, TN 24 mi under 1% 27%
Dickson County, TN 25 mi under 1% 12%
Todd County, KY 26 mi under 1% 29%
Christian County, KY 28 mi under 1% 34%
Robertson County, TN 28 mi 0% 32%
Trigg County, KY 34 mi under 1% 13%

Sources: USDA SSURGO (August 29, 2025) · US Drought Monitor (October 13, 2026) · FEMA NFIP v3 (September 9, 2026) · NOAA (August 2026) · Census ACS 2020-2024. Methods · Data status