71 flood insurance claims·$4.0M paid·3 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 Dickson 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 driven by severe thunderstorms dominates the flood history of Dickson County, Tennessee, accounting for 58 recorded events and 1 death over the last 30 years compared to 8 general flood events. Recent destructive weather includes a potent storm system that brought multiple rounds of thunderstorms on March 15, 2025, followed by a major and historic multi-day severe weather event from April 2 through April 6, 2025, which featured training supercells and large hail across the region.
National Flood Insurance Program records indicate that property damage occurs across multiple zones. Properties in Zone A have accumulated 41 claims with an average payout of $80,965 and an average recorded water depth of 3 inches. Standard Zone X properties experienced 24 claims averaging $30,560 with an average recorded water depth of 2 inches, while unshaded Zone X properties recorded 6 claims with a higher average payout of $88,528 and an average recorded water depth of 13 inches.
Homeowners and real estate agents in Dickson County should pay the closest attention to properties located within Zone A and unshaded Zone X, as these areas have demonstrated significant historical claim payouts and notable water depths.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
13% of Dickson County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
47 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 4 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 11 claims and $747,383 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.
36 NOAA storm reports from Dickson County describe what happened, in the words of the forecasters who covered it. Read the Tennessee flood stories →
27 federal disaster declarations since 1974, 3 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 And Tornadoes | Dec 9, 2023 |
| Severe Storms, Straight-line Winds, And Tornado | Mar 1, 2023 |
| Severe Storms, Straight-line Winds, And Tornadoes | Dec 10, 2021 |
| Severe Storm And Flooding | Aug 21, 2021 |
| Severe Storms, Straight-line Winds, And Flooding | May 3, 2020 |
| Severe Storms, Flooding, Landslides, And Mudslides | Feb 19, 2019 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
66 since 1996: 58 flash floods and 8 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Mar 15, 2025 | — |
| Flash Flood | Apr 3, 2025 | — |
| Flood | Jul 19, 2023 | — |
| Flash Flood | Feb 28, 2021 | — |
| Flash Flood | Mar 27, 2021 | — |
| Flash Flood | Aug 21, 2021 | — |
| Flash Flood | Aug 21, 2021 | $401,610 |
| Flash Flood | Jul 12, 2020 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Mar 15, 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 strengthened and caused wind da…
Flash Flood · Apr 3, 2025. A major and historic multi-day severe weather event unfolded across Middle Tennessee during early April 2025. This event began during the afternoon hours of April 2nd and continued through April 6th. These first couple rounds of thunderstorms brought damaging winds and large hail along with a tornado risk. The corridor from southwest Middle Tennessee into the Nashville metro area was hit particularly hard with mul…
Flood · Jul 19, 2023. After a squall line moved through the area on July 18, 2023, another complex of thunderstorms moved through Middle Tennessee early on July 19th. Heavy rain was common with these thunderstorms as they produced three to six inches of rain across the northwest portion of the area. Fortunately, no significant flooding reports were received. Meanwhile, one rogue strong thunderstorm in southern Lawrence County did produ…
Flash Flood · Feb 28, 2021. Numerous showers and thunderstorms affected Middle Tennessee during the evening hours on February 27, then again during the afternoon and evening hours on February 28. Several storms became severe and produced damaging winds, large hail, and flash flooding.
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 Dickson 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.