26 flood insurance claims·$171,064 paid·5 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 Coffee 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 severe thunderstorms and heavy rainfall dominates the flood history of Coffee County, accounting for 33 of the 40 recorded flood events over the last 30 years alongside 7 general flood events. Recent severe weather patterns have produced significant impacts across the region, including scattered showers and thunderstorms on September 18, 2021, that caused significant flash flooding across Coffee County and surrounding areas. Heavy rainfall totals ranging from 3 to over 7 inches between February 21 and February 25, 2022, also led to widespread river flooding on regional rivers and streams.
Federal insurance claims data shows impacts across multiple flood zones. Zone A recorded 14 claims with an average payout of $2,725 and an average recorded water depth of 1 inch. Zone X recorded 9 claims with an average payout of $20,685 and an average recorded water depth of 50 inches. Zone X_SHADED recorded 2 claims with an average payout of $4,179 and an average water depth of 0 inches, while Zone X_UNSHADED recorded 1 claim with an average payout of $41,661 and an average water depth of 0 inches. Homeowners, real estate agents, and journalists should pay the most attention to properties in both high-risk Zone A and moderate-to-low risk Zone X areas where higher-depth flooding has historically resulted in substantial average payouts.
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 18 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 2024, with 3 claims and $80,890 paid.
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.
13 NOAA storm reports from Coffee County describe what happened, in the words of the forecasters who covered it. Read the Tennessee flood stories →
21 federal disaster declarations since 1973, 5 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 | Aug 7, 2023 |
| Severe Winter Storm | Dec 22, 2022 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms, Flooding, Landslides, And Mudslides | Feb 19, 2019 |
| Severe Winter Storm And Flooding | Feb 15, 2015 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
40 since 1996: 33 flash floods and 7 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 20, 2023 | $50,000 |
| Flood | Feb 22, 2022 | — |
| Flash Flood | Sep 18, 2021 | — |
| Flash Flood | Feb 23, 2019 | $329,890 |
| Flash Flood | Feb 20, 2019 | — |
| Flash Flood | Mar 9, 2019 | — |
| Flood | Dec 28, 2018 | — |
| Flash Flood | Mar 1, 2018 | $5,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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. Meanwhile, training shower…
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 most rivers and streams…
Flash Flood · Sep 18, 2021. Scattered showers and thunderstorms developed in the morning hours and continued into the early afternoon hours on September 18th. Significant flash flooding occurred across parts of Middle Tennessee including areas of Davidson, Putnam, Bedford and Coffee Counties.
Flash Flood · Feb 23, 2019. A stationary frontal boundary stalled near the Tennessee Valley for nearly a week in mid to late February 2019. Persistent southwest flow aloft brought copious amounts of Gulf of Mexico moisture northward and interacted with this boundary for many days, causing a prolonged period of heavy rain and flooding throughout Middle Tennessee from Tuesday, February 19 through early Sunday, February 24. Due to the heavy rai…
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 Coffee 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.