Enter any address in Carroll County, Tennessee to see its FEMA flood zone
Flash flooding from heavy rain events is the primary flood concern in Carroll County. Between 1993 and 2023, the NOAA Storm Events Database recorded 36 flash flood incidents, resulting in one fatality. Other flood-related events, including tropical storms and depressions, occurred less frequently during this period. For example, a significant flash flood event on April 5, 2025, brought heavy rain and associated severe weather to the region.
National Flood Insurance Program (NFIP) claims data indicates that properties designated as Zone A have experienced the most claims, with an average payout of $29,141 and an average water depth of 1.1 feet. Zone X areas also saw claims, though fewer, with an average payout of $6,273 and an average water depth of 1.0 foot. Residents in Zone A, and those in Zone X, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
17 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Carroll County, Tennessee has recorded 43 flood-related events since 1996 according to NOAA's Storm Events Database, including 36 flash floods and 5 river or area floods. The county has received 24 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1971–2026)
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 Storms, Straight-line Winds, And Tornado | Severe Storm | Mar 1, 2023 |
| Severe Storms, Straight-line Winds, And Flooding | Severe Storm | May 3, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Tornado | Mar 3, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Jun 5, 2014 |
| Severe Winter Storm | Severe Ice Storm | Mar 2, 2014 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Severe Storm | Apr 25, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | Jun 13, 2025 | 20.00K |
| Flash Flood | Apr 5, 2025 | 15.00K |
| Flood | Feb 11, 2019 | 0.00K |
| Flash Flood | Feb 6, 2019 | 0.00K |
| Flood | Feb 21, 2018 | 0.00K |
| Flash Flood | Apr 19, 2017 | 5.00K |
| Flash Flood | Jun 1, 2017 | 5.00K |
| Flash Flood | Mar 10, 2016 | 0.00K |
| Flash Flood | Aug 17, 2014 | 10.00K |
Flash Flood — Feb 15, 2025
An upper-level trough crossed the Four Corners region and dipped into northern Mexico on February 14, 2025. In response, deep southwesterly flow set up over the Lower Mississippi Valley and advected Gulf moisture poleward. Showers and thunderstorms blossomed across the region during the early morning hours on February 15, 2025. Meanwhile, a warm front quickly accelerated northward during the mo...
Flash Flood — Jun 13, 2025
Showers and thunderstorms continued throughout the day as an upper trough lifted slowly northeast across the region. A very moist airmass with PWATs near the 99th percentile, supported heavy rainfall resulting in isolated flash flooding.
Flash Flood — Apr 5, 2025
The front eventually sagged south back into the Mid-South during the early morning hours of April 5th. Strong low-level moisture transport into the frontal zone resulted in heavy rain and training storms across northern sections of the Mid-South, mainly north of I-40. A bow echo developed along and just south of the slowly advancing front. This feature crossed the entire forecast area producing...
Flood — Feb 11, 2019
A slow moving system in the Lower Mississippi valley caused areal and river flooding over portions of west Tennessee on February 11th and 12th.
Flash Flood — Feb 6, 2019
A slow moving storm system in the Plains produced a prolonged period of heavy rain across portions of West Tennessee. As a result flash flooding occurring in low lying areas during the evening hours of February 6th.
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 Carroll 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 Carroll 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.