Enter any Tennessee address to see its FEMA flood zone designation
Tennessee's flood risk is characterized by a high frequency of flash flood events, which have resulted in a significant number of fatalities over the last 30 years. The state has also experienced numerous general flood events and a smaller number of tropical storm and depression impacts.
Recent federal disaster declarations, all related to severe storms, straight-line winds, tornadoes, and flooding, underscore the ongoing threat across the state. While the data does not specify coastal or riverine geography, the prevalence of flash floods suggests a widespread vulnerability to intense rainfall events.
National Flood Insurance Program (NFIP) data indicates that properties designated as Zone A have incurred the highest number of claims and the largest total payouts, suggesting a substantial risk in these areas. However, Zone X, which includes X_UNSHADED and X_SHADED, also shows a considerable number of claims, indicating that flood risk is not confined to the highest-risk zones. The significant average claim amounts in Zone A and even in less defined zones like UNKNOWN, highlight the potential financial impact of flooding for residents across Tennessee.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
Tennessee has received 2,038 federal disaster declarations, including 268 flood and coastal storm declarations.
FEMA designates flood zones across Tennessee using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk zones.
Properties in Tennessee FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
The average NFIP premium in Tennessee is approximately $634 per year. Rates vary significantly based on flood zone, building elevation, and coverage amount.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Tennessee residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
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