Tennessee ranks 5th in nation for frozen pipes
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.
“Taking preventive steps can help you avoid costly repairs that could potentially blow your budget this winter,” says State Farm spokesman Roszell Gadson.
How to Prevent Frozen Pipes
Frozen pipes usually result from sudden temperature drops, poor insulation, or thermostats set too low. Here’s what you can do to safeguard your home:
- Insulate Exposed Pipes: Cover pipes in crawl spaces, attics, and other vulnerable areas—even if your climate rarely freezes—to shield them from cold temperatures.
- Use Heat Tape or Heat Cables: Wrap pipes with thermostatically controlled heat tape approved by trusted organizations like Underwriters Laboratories (UL). Make sure to use products designed for your pipe’s location (indoor or outdoor).
- Seal Air Leaks: Block cold air from entering near pipes by sealing gaps around electrical wiring, dryer vents, and pipes with caulk or insulation.
- Disconnect Garden Hoses: Remove hoses and, if possible, shut off and drain indoor valves connected to outdoor faucets.
- Let Faucets Drip: Allow a slow trickle of warm and cold water overnight to help prevent freezing.
- Maintain Thermostat Settings: Keep your home’s temperature above 55°F, even when you’re away for extended periods.
- Open Cabinet Doors: Allow warm air to circulate around uninsulated pipes under sinks and appliances near exterior walls.
What to Do If Pipes Freeze
If you suspect frozen pipes, take these precautions:
- Call a Plumber: If no water flows when you turn on faucets, leave them open and contact a professional.
- Avoid Open Flames: Never use a torch or open flame to thaw pipes—it’s a serious fire hazard.
- Use a Hair Dryer Safely: If safe, gently warm pipes starting near the faucet and moving toward colder sections. Ensure no standing water or flammable materials are nearby.
- Shut Off Water Supply: If pipes burst or your leak detector alerts you, turn off the main water valve. Make sure everyone in your household knows its location and how to operate it. Keep faucets open to relieve pressure.
In addition to taking steps to prevent Frozen Pipes, State Farm encourages drivers to prepare for this week’s arctic blast and to Clean Out Your Trunk, Confirm Your Coverage in the event of a roadside emergency.
For more winter weather coverage, click here.
