Enter any address in Bedford County, Tennessee to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent type of flood event in Bedford County, TN, with 36 such events recorded in the last 30 years, compared to 14 instances of general flooding. Recent events include flash flooding on July 20, 2023, and general flooding on December 7, 2022, which caused creeks to overfill their banks and led to road closures in areas like Spring Hill.
Analysis of National Flood Insurance Program (NFIP) claims shows that properties in Zone X have experienced the highest average payouts and water depths, with an average payout of $18,390 and an average water depth of 14.0 feet. Properties in Zone A and Zone UNKNOWN also show significant average payouts. Homeowners in areas designated as Zone A or Zone X, and those without a Base Flood Elevation (BFE), should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
15 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Bedford County, Tennessee has recorded 50 flood-related events since 1996 according to NOAA's Storm Events Database, including 36 flash floods and 14 river or area floods. The county has received 18 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 22, 2026 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Severe Storm | Apr 2, 2025 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Flooding, Landslides, And Mudslides | Flood | Feb 19, 2019 |
| Severe Winter Storm And Flooding | Severe Ice Storm | Feb 15, 2015 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 4, 2003 |
| Severe Storms And Tornados | Severe Storm | Nov 9, 2002 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Mar 16, 2025 | 0.00K |
| Flash Flood | Jul 20, 2023 | 25.00K |
| Flood | Feb 22, 2022 | 0.00K |
| Flash Flood | Jul 12, 2022 | 0.00K |
| Flood | Dec 7, 2022 | 0.00K |
| Flood | Sep 20, 2021 | 0.00K |
| Flash Flood | Sep 18, 2021 | 15.00K |
| Flash Flood | Oct 6, 2021 | 0.00K |
| Flash Flood | Feb 23, 2019 | 275.40K |
| Flash Flood | Feb 20, 2019 | 0.00K |
Flood — Mar 16, 2025
A potent storm system brought multiple rounds of thunderstorms and severe weather to Middle Tennessee on March 15, 2025. The main risk for severe weather was associated with a line of thunderstorms that tracks east across Middle Tennessee during the afternoon and evening hours. This line produced one EF-1 tornado near Christiana. As this line moved towards the Cumberland Plateau, it strengthene...
Flash Flood — Jul 20, 2023
A very strong squall line made its way through Middle Tennessee during the morning and afternoon hours of July 20, 2023. Damaging straight-line winds were the primary threat associated with this line of thunderstorms with wind gusts of 65 to 80 mph common. The most significant damage was reported in Sumner and Wilson counties with numerous reports of downed trees and powerlines received. Meanwh...
Flood — Feb 22, 2022
Numerous showers and thunderstorms affected Middle Tennessee on February 22. Some of the storms became severe with a few reports of large hail and wind damage. In addition, heavy rainfall resulted in flooding across several areas of Middle Tennessee. Rainfall totals from February 21 to February 25 ranged from 3 to over 7 inches fell across the area, which led to widespread river flooding on mos...
Flash Flood — Jul 12, 2022
The largest severe weather event of summer 2022 affected much of Middle Tennessee during the afternoon and evening hours on July 12, with numerous severe thunderstorms producing large hail and wind damage. Up to softball size hail was reported in the Chapel Hill area of Marshall County, which is the largest hail reported in Middle Tennessee in many years.
Flood — Dec 7, 2022
A stalled warm front and plentiful amounts of atmospheric moisture helped to set the stage for a persistent wet pattern that lasted several days in early December across Middle Tennessee. By December 7, 2022, an estimated 2 to 4 inches over the course of this event had begun to cause creeks to overfill their banks. Minor flooding was reported across areas mainly south of Interstate 40, particul...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Bedford County, Tennessee:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Bedford County, Tennessee that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.