Loudon County, Tennessee · Loudon
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Pipes freeze in Loudon County on about 7 nights a year, mostly December to February. Older homes, 16% of the stock here, are most at risk.
Heavy rain days of an inch or more come about 12.5 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 Loudon County gets about 12.5 days a year, when storm water overloads sewer mains and pushes up through the lowest drain in the house.
Roof leaks here come from summer downpours and, with about 56 freeze-thaw days a year, from winter ice dams. Most show up as ceiling stains in the room below.
6% of occupied homes in Loudon County heat mainly with wood or propane, below the Tennessee county median of 7.8%.
With 80 muggy nights a year, mold in Loudon County can appear within days of a leak. Dry first, then clean.
Local risk profile
About 58,580 people live in Loudon County, 229 square miles in eastern Tennessee, in roughly 26,043 homes. Loudon is the county seat; Lenoir City, Tellico Village and Greenback are the next largest communities. Much of its housing is recent, with a median build year of 1992.
30/100 Water Damage Risk Index: Moderate Loudon County ranks 89 of 95 Tennessee counties. See the statewide ranking and method.The three factors where Loudon County ranks highest compared with other Tennessee counties.
Loudon County is milder than most of Tennessee, but not mild enough to skip winterizing. In the 2015–2024 record the county logged about 7 nights a year at or below 20°F (87th of 95) and 60 below freezing. Twenty degrees is roughly where uninsulated pipes start to freeze.
On January 18, 2024 the low fell to about 1°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.
Expect the hardest freezes in January, inside a season that runs December to February. That's when an outdoor spigot left connected to a hose, or a pipe in a crawl space, is most likely to split.
On average the first fall freeze arrives around Nov 8 and the last spring freeze around Mar 26.
Loudon gets fewer downpours than most Tennessee counties, but they still fill basements. Of roughly 57.3 inches of yearly precipitation, the damage comes from the 12.5 days a year with an inch or more, ranked 74th of 95. February, March and December see the most. The single wettest day in the record: 4 inches, February 6, 2020. Multi-day storms matter most for basements; the wettest three days on record here totaled 6.01 inches (through February 7, 2020).
Freeze-thaw days, below freezing overnight and above it by afternoon, come about 56 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; Loudon ranks 73rd, with 35% of its homes built before 1980.
Growth since 2000 added 37% of today's homes. In houses that new, the weak points are washing machine hoses, ice maker lines, water heaters and sump pumps rather than the pipes in the walls.
About 28% 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 8% 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
About 80 nights a year in Loudon County stay at 65°F or warmer, a sign of muggy summer air (31st of 95 counties). February is the wettest month. The EPA recommends keeping indoor humidity below 60%, ideally 30 to 50%. Basements can pass 60% on their own in summer, so a dehumidifier matters even without a leak, and anything wet should be dried within 24 to 48 hours.
Mold remediation: what to expectMain heating fuel in Loudon County's occupied homes: 28% utility gas, 65% electric, 5% propane and 1% wood. Heating equipment, cooking and electrical failures cause most home fires nationally. Even a small kitchen fire can leave soot through the whole house, because smoke follows air currents into closets, ducts and attic space.
Fire and smoke cleanup: first stepsCoverage
Calls connect to restoration companies that work across Loudon County. The largest communities by population:
Population from ACS 2020-2024 5-year estimates. Townships and unincorporated areas are covered too.
Nearby
Knox and Monroe get more pipe-freeze nights than Loudon. Roane County has the oldest housing nearby, with 51% of homes built before 1980.
By the numbers
| Factor | Loudon | Tennessee median | Rank |
|---|---|---|---|
| Homes built before 1960 | 16% | 16% | 54 of 95 |
| Homes built before 1980 | 35% | 41% | 73 of 95 |
| Homes built 2000 or later | 37% | 27% | 14 of 95 |
| Manufactured or mobile homes | 7.5% | 16% | 83 of 95 |
| Vacant homes | 7.6% | 12% | 80 of 95 |
| Wood or propane heat | 5.7% | 7.8% | 63 of 95 |
| Nights at 20°F or colder | 7/yr | 11/yr | 87 of 95 |
| Days with 1 inch+ of rain | 13/yr | 14/yr | 74 of 95 |
| Freeze-thaw days | 56/yr | 60/yr | 79 of 95 |
| Muggy nights (65°F+) | 80/yr | 74/yr | 31 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 Loudon County: freezing from December to February, heavy rain in February, March 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