Water Damage Cost · Tennessee
Water Damage Restoration Cost in Tennessee
The average water damage restoration job in Tennessee runs about $9,473, about 9% below the national average. Costs here are shaped by Tennessee's labor market and high flood risk. Use the calculator for a personalized estimate.
Tennessee cost snapshot
State-adjusted 2026 pricing
Average job in Tennessee
$9,473
about 9% below the national average
Per sq ft
$23.68
Avg. deductible
$1,000
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Estimate details
Estimated total
medium confidence$10,332
Typical range $8,059 – $12,605 · $25.83/sq ft
- Inspection & Assessment$275
- Water Extraction$1,300
- Structural Drying$1,840
- Equipment Rental$2,006
- Demolition / Tear-Out$840
- Material Replacement$1,562
- Cleaning & Sanitizing$560
- Disposal & Hauling$340
- Skilled Labor$1,609
Timeline
3–8 days
Est. insurance covers
85%
Deductible
$1,000
Est. out of pocket
$1,550
Free, no-obligation. Get a firm quote after an on-site inspection.
Local Pricing
Tennessee water damage cost breakdown
Researched 2026 pricing adjusted for Tennessee. Figures are state-adjusted estimates; your on-site quote depends on the specific loss.
Cost by scenario — Tennessee
| Item | Low | Average | High |
|---|---|---|---|
| Small area (~200 sq ft, clean water) | $3,997 | $4,875 | $5,850 |
| Average job (~400 sq ft, clean water) | $7,768 | $9,473 | $11,368 |
| Large area (~800 sq ft, clean water) | $15,312 | $18,673 | $22,408 |
| Gray water (~400 sq ft, category 2) | $9,787 | $11,935 | $14,322 |
| Black water / sewage (~400 sq ft, category 3) | $10,858 | $13,242 | $15,890 |
| Emergency after-hours (~400 sq ft) | $9,129 | $11,133 | $13,360 |
Estimated cost by major metro — Tennessee
| Item | Low | Average | High |
|---|---|---|---|
| Nashville | $7,768 | $9,473 | $11,368 |
| Memphis | $7,768 | $9,473 | $11,368 |
| Knoxville | $7,768 | $9,473 | $11,368 |
| Chattanooga | $7,768 | $9,473 | $11,368 |
What drives water damage cost in Tennessee
Flash flooding and Cumberland-basin river rises drive large losses, while Nashville's rapid growth tightens the skilled-labor supply.
Relative to the national baseline, restoration labor in Tennessee runs at a 0.90× multiplier and materials at 0.95×, giving the state an overall cost index of 0.91. That places typical pricing about 9% below the national average. Because Tennessee carries a high flood-risk profile, category-2 and category-3 losses — which require far more sanitizing, disposal and mold treatment — make up a meaningful share of local claims.
Water category matters most
The single biggest cost driver is water category. Clean water from a supply line is the least expensive to remediate; gray water from appliances adds sanitizing; and black water from sewage or flooding requires containment, disposal and antimicrobial treatment. In Tennessee, a category-3 job of the same size can cost well over double a comparable clean-water loss.
Reference
Water categories & what they cost to remediate
Category 1
Clean Water
$9,473
typical ~400 sq ft job in Tennessee
Category 2
Gray Water
$13,680
typical ~400 sq ft job in Tennessee
Category 3
Black Water
$15,109
typical ~400 sq ft job in Tennessee
FAQ
Tennessee water damage questions
Keep exploring
Related resources
National Cost Guide
Full national pricing breakdown and factors.
Learn more→ServiceWater Extraction Service
How emergency extraction works and costs.
Learn more→ServiceMold Remediation Service
Containment, treatment and prevention.
Learn more→ComparisonMitigation vs Restoration
Which stage your loss needs.
Learn more→ResourceEmergency Checklist
What to do in the first 24 hours.
Learn more→InsuranceInsurance Guide
What your homeowners policy likely covers.
Learn more→Water damage doesn't wait
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