Montgomery County, Tennessee · Clarksville
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Pipes freeze in Montgomery County on about 13 nights a year, mostly December to February. Older homes, 8% of the stock here, are most at risk.
February brings the most downpours to Montgomery County, part of 12.8 heavy-rain days a year. Check the sump first.
Sewage backups in Montgomery County spike on heavy-rain days, about 12.8 a year, when sewer mains fill up and water finds the lowest drain.
Montgomery County's wettest day in the 2015–2024 record brought 3.56 inches, and about 56 freeze-thaw days a year mean ice dams in some winters.
2% of occupied homes in Montgomery County heat mainly with wood or propane, below the Tennessee county median of 7.8%.
Muggy summer nights, lows of 65°F or more, come about 85 times a year in Montgomery County. Mold after a leak spreads fastest from June through August.
Local risk profile
Montgomery County covers 539 square miles of northwest Tennessee, with about 234,153 residents and 93,445 homes. Clarksville is the county seat. Much of its housing is recent, with a median build year of 1998.
43/100 Water Damage Risk Index: Moderate Montgomery County ranks 70 of 95 Tennessee counties. See the statewide ranking and method.The three factors where Montgomery County ranks highest compared with other Tennessee counties.
Montgomery is on the colder side of Tennessee for pipes. It averaged 62 freezing nights a year over 2015–2024, 13 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 18th.
The longest cold spell was straight 7 days without the temperature rising above freezing, ending in February 2021. The coldest night reached about -2°F on December 23, 2022. Burst pipes usually show up when a spell like that breaks and the ice thaws.
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 Nov 6 and the last spring freeze around Mar 29.
Montgomery gets fewer downpours than most Tennessee counties, but they still fill basements. The county gets about 53.3 inches of rain and melted snow a year, with 12.8 days of an inch or more (71st of 95). Those downpours cluster in February, April and July, when sump pumps and gutters are tested hardest. The wettest day on record brought 3.56 inches on July 7, 2016. Multi-day storms matter most for basements; the wettest three days on record here totaled 5.21 inches (through September 2, 2017).
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; Montgomery ranks 91st, with 25% of its homes built before 1980.
47% of homes were built in 2000 or later, more than in most of Tennessee. Newer plumbing rarely corrodes, so damage here tends to come from appliance supply lines, water heaters, sump pumps and storms.
The 1980s and 1990s account for 28% of the county's homes. If yours is from those decades, look under the sinks and at the water heater for gray plastic pipe stamped PB, which is polybutylene and leak-prone.
Renters occupy 38% of homes. If you rent, the building is usually the landlord's to repair, but your belongings are only covered by renters insurance.
Beyond water
Montgomery County averages 85 warm, muggy nights a year (lows of 65°F or more) and gets the most rain in February. 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, Montgomery County homes break down as 21% utility gas, 75% electric, 2% propane and under 1% wood. Fires here are likelier to start in the kitchen or the wiring than in the furnace. After any fire, keep the HVAC off until ducts are checked, or soot will travel through the house.
Fire and smoke cleanup: first stepsCoverage
Calls connect to restoration companies that work across Montgomery County. The largest communities by population:
Population from ACS 2020-2024 5-year estimates. Townships and unincorporated areas are covered too.
Nearby
Dickson and Robertson get more pipe-freeze nights than Montgomery. Houston County has the oldest housing nearby, with 48% of homes built before 1980.
By the numbers
| Factor | Montgomery | Tennessee median | Rank |
|---|---|---|---|
| Homes built before 1960 | 8.2% | 16% | 87 of 95 |
| Homes built before 1980 | 25% | 41% | 91 of 95 |
| Homes built 2000 or later | 47% | 27% | 5 of 95 |
| Manufactured or mobile homes | 3.5% | 16% | 90 of 95 |
| Vacant homes | 6.1% | 12% | 91 of 95 |
| Wood or propane heat | 2.3% | 7.8% | 89 of 95 |
| Nights at 20°F or colder | 13/yr | 11/yr | 18 of 95 |
| Days with 1 inch+ of rain | 13/yr | 14/yr | 71 of 95 |
| Freeze-thaw days | 56/yr | 60/yr | 79 of 95 |
| Muggy nights (65°F+) | 85/yr | 74/yr | 23 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 Montgomery County: freezing from December to February, heavy rain in February, April and July.
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