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Tennessee's water damage risk is shaped by its river systems and its position in a corridor that sees frequent heavy rainfall and remnant tropical systems moving up from the Gulf. The Cumberland and Tennessee River systems have a documented history of serious flooding, most notably the May 2010 flood that put large areas of Nashville and the surrounding region underwater after historic rainfall overwhelmed rivers and drainage infrastructure. Hilly terrain in much of the state also means flash flooding can develop quickly in low lying areas and along smaller creeks even when a storm itself is brief.

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