As winter weather takes hold across the Volunteer state, State Farm has identified Tennessee as a costly state for frozen pipe claims. State Farm ranks Tennessee as 5th in the nation for frozen pipes and water damage totaling $31 million based on data from 2024 through June 2025. This cost is connected to 1,100 claims in Tennessee associated with water damage caused by freezing, including damage to foundations and slabs, other freeze-related damage, and water damage resulting from frozen conditions.
Nationally, more than 20,000 claims related to frozen pipes were filed from 2024 through June 2025 with total paid losses exceeding $628 million. The average claim cost exceeded $30,000. The five states with the highest total claim costs paid were Illinois, Oregon, Washington, Texas, and Tennessee.
When temperatures drop below freezing (32°F), your home’s pipes—whether plastic or copper—are at risk of freezing. Even a small crack, just 1/8 inch, can leak over 250 gallons of water daily, leading to flooding, structural damage, and mold growth…