Clay County, Tennessee · Celina
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Pipes freeze in Clay County on about 14 nights a year, mostly December to February. Older homes, 10% of the stock here, are most at risk.
Heavy rain days of an inch or more come about 14.5 times a year here, most often in February. A sump pump that hasn't run since last season is a common weak point.
Backups often follow heavy rain, which Clay County gets about 14.5 days a year, when storm water overloads sewer mains and pushes up through the lowest drain in the house.
In Clay County, 3.19 inches fell on the wettest day of the 2015–2024 record. Storms like that, and ice dams in snowy winters, cause most roof leaks.
15% of occupied homes in Clay County heat mainly with wood or propane, above the Tennessee county median of 7.8%.
With 63 muggy nights a year, mold in Clay County can appear within days of a leak. Dry first, then clean.
Local risk profile
About 7,670 people live in Clay County, 237 square miles in northern Tennessee, in roughly 4,005 homes. Celina is the county seat. Much of its housing is recent, with a median build year of 1985.
47/100 Water Damage Risk Index: Elevated Clay County ranks 60 of 95 Tennessee counties. See the statewide ranking and method.The three factors where Clay County ranks highest compared with other Tennessee counties.
Clay is on the colder side of Tennessee for pipes. It averaged 73 freezing nights a year over 2015–2024, 14 of them at 20°F or colder, cold enough for pipes in outside walls and crawl spaces to freeze. Among 95 Tennessee counties that's 12th.
On January 17, 2024 the low fell to about -6°F, and in the stretch ending February 2015 the county went 5 days in a row below freezing. Leaks from split pipes typically appear the day the thaw arrives.
Most freezing nights fall from December to February, peaking in January. Disconnect garden hoses and shut off outdoor spigots before the first hard frost, and keep the heat at 55°F or higher if you'll be away.
On average the first fall freeze arrives around Oct 29 and the last spring freeze around Apr 14.
Rainfall is about average for Tennessee. The county gets about 57.3 inches of rain and melted snow a year, with 14.5 days of an inch or more (40th of 95). Those downpours cluster in February, July and December, when sump pumps and gutters are tested hardest. The wettest day on record brought 3.19 inches on March 28, 2021. Multi-day storms matter most for basements; the wettest three days on record here totaled 5.15 inches (through September 29, 2024).
Freeze-thaw days, below freezing overnight and above it by afternoon, come about 67 times a year here. They're the main driver of ice dams and of water working its way through foundation cracks in late winter.
Housing
Tennessee's 95 counties range widely in housing age; Clay ranks 52nd, with 40% of its homes built before 1980.
Older and newer homes sit side by side here: 10% predate 1960 and 27% are from 2000 or later. Corroded pipe is the typical failure in the first group, burst supply hoses in the second.
About 33% of homes went up between 1980 and 1999. Some houses from the late 1970s to the mid-1990s were plumbed with polybutylene, a gray plastic pipe known for failing at fittings. A plumber can tell you in a few minutes whether you have it.
Manufactured and mobile homes make up 29% of the housing here. Water lines in the underbelly depend on intact skirting and working heat tape, and they're usually the first to freeze in a cold snap.
Beyond water
Summer nights that don't drop below 65°F, a good marker of humid air, come about 63 times a year here, below the Tennessee county median of 74. Mold grows when indoor humidity stays above about 60%, the EPA's ceiling. A basement dehumidifier set to 50% and drying anything wet within 24 to 48 hours prevents most problems.
Mold remediation: what to expectBy main heating fuel, Clay County homes break down as 5% utility gas, 79% electric, 8% propane and 7% wood. Wood heat is more common here than in most Tennessee counties. Heating equipment is one of the leading causes of home fires nationally, and the NFPA recommends having chimneys and vents inspected every year.
Fire and smoke cleanup: first stepsCoverage
Calls connect to restoration companies that work across Clay County. The largest communities by population:
Population from ACS 2020-2024 5-year estimates. Townships and unincorporated areas are covered too.
Nearby
Macon and Pickett get more pipe-freeze nights than Clay. All of its neighbors see more heavy-rain days. Overton County has the oldest housing nearby, with 46% of homes built before 1980.
By the numbers
| Factor | Clay | Tennessee median | Rank |
|---|---|---|---|
| Homes built before 1960 | 10% | 16% | 86 of 95 |
| Homes built before 1980 | 40% | 41% | 52 of 95 |
| Homes built 2000 or later | 27% | 27% | 49 of 95 |
| Manufactured or mobile homes | 29% | 16% | 4 of 95 |
| Vacant homes | 13% | 12% | 39 of 95 |
| Wood or propane heat | 15% | 7.8% | 20 of 95 |
| Nights at 20°F or colder | 14/yr | 11/yr | 12 of 95 |
| Days with 1 inch+ of rain | 15/yr | 14/yr | 40 of 95 |
| Freeze-thaw days | 67/yr | 60/yr | 17 of 95 |
| Muggy nights (65°F+) | 63/yr | 74/yr | 68 of 95 |
Rank 1 is the highest value. Bars run from the lowest to the highest Tennessee county; the tick marks the median; orange means higher water damage risk than the median, green means lower.
Questions
Peak risk months in Clay County: freezing from December to February, heavy rain in February, July and December.
Sources: U.S. Census Bureau, ACS 2024 5-year estimates (2020-2024); weather from NOAA nClimGrid-Daily county averages (EpiNOAA), 2015–2024, averaged across the county; county boundaries from Census TIGER. Reviewed 2026-10-21. Methodology