19 flood insurance claims·$520,821 paid·1 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Carroll County, Tennessee. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding from heavy rain events dominates the flood history of Carroll County, Tennessee, accounting for 36 out of 43 recorded storm events over the last 30 years alongside 1 related death, while general floods, tropical storms, and tropical depressions occur less frequently. Recent severe impacts include an April 2025 event driven by a slow-moving front, strong low-level moisture transport, and training storms north of I-40 that brought heavy rainfall and severe weather to the region.
National Flood Insurance Program claims data indicates that properties located within high-risk Zone A should pay the closest attention to flood risk, having accumulated 13 claims with an average payout of $41,796 and an average recorded water depth of 3 inches. Properties in Zone X have experienced 4 claims with an average payout of $9,409 and an average recorded water depth of 3 inches, while properties with an unknown zone status have recorded 2 claims averaging $225 with an average water depth of 1 inch.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 2 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2010, with 9 claims and $388,448 paid, the year of Severe Storms, Flooding, Straight-line Winds, and Tornadoes.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
17 NOAA storm reports from Carroll County describe what happened, in the words of the forecasters who covered it. Read the Tennessee flood stories →
24 federal disaster declarations since 1971, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 22, 2026 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 2, 2025 |
| Severe Storms, Straight-line Winds, And Tornado | Mar 1, 2023 |
| Severe Storms, Straight-line Winds, And Flooding | May 3, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Mar 3, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Jun 5, 2014 |
| Severe Winter Storm | Mar 2, 2014 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Apr 25, 2011 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
43 since 1996: 36 flash floods and 5 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Feb 15, 2025 | — |
| Flash Flood | Jun 13, 2025 | $20,000 |
| Flash Flood | Apr 5, 2025 | $15,000 |
| Flood | Feb 11, 2019 | — |
| Flash Flood | Feb 6, 2019 | — |
| Flood | Feb 21, 2018 | — |
| Flash Flood | Apr 19, 2017 | $5,000 |
| Flash Flood | Jun 1, 2017 | $5,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 morning of February 15…
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 13 tornadoes, inclu…
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.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Carroll County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.