FEMA flood zones · Tennessee

Fentress County, Tennessee Flood Zone Map

2 federal flood & hurricane disasters

1% of Fentress County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Fentress 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.

How Fentress County floods

Flash flooding from severe thunderstorms and heavy rainfall dominates the flood risk in Fentress County. Over the last 30 years, the NOAA Storm Events Database records 29 flash flood events compared to 11 general flood events.

Recent history demonstrates this hazard, notably during an historic flash flooding event from March 27 to March 28, 2021, when a stalled warm front generated numerous heavy downpours across the region. Flash flooding was also recorded during scattered thunderstorms on October 6, 2021, and from training showers associated with a strong squall line on July 20, 2023.

Homeowners, real estate agents, and journalists should pay the closest attention to properties located near creeks, streams, and low-lying areas susceptible to rapid accumulation during intense convective storms and heavy rainfall.

Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.

In their words

11 NOAA storm reports from Fentress County describe what happened, in the words of the forecasters who covered it. Read the Tennessee flood stories →

Federal disasters

24 federal disaster declarations since 1974, 2 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter StormJan 22, 2026
Severe Storms, Straight-line Winds, Tornadoes, And FloodingApr 2, 2025
Severe Storms, Straight-line Winds, And TornadoMar 1, 2023
Severe Storms, Tornadoes, And FloodingMar 25, 2021
Severe Winter StormsFeb 11, 2021
Severe Storms, Flooding, Landslides, And MudslidesFeb 19, 2019
Severe Winter Storm And FloodingFeb 15, 2015
Severe Storms, Tornadoes, Straight-line Winds, And Associated FloodingApr 25, 2011

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

40 since 1996: 29 flash floods and 11 river or area floods.

EventDateDamage
Flash FloodJul 20, 2023$100,000
Flash FloodJul 20, 2023$50,000
FloodAug 30, 2021—
Flash FloodMar 27, 2021$76,250
Flash FloodOct 6, 2021$5,000
Flash FloodFeb 5, 2020—
FloodDec 29, 2019$3,000
Flash FloodJun 28, 2018—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

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 · Aug 30, 2021. Scattered showers and t'storms developed on August 30th as the remnants of Ida moved through Middle TN. Some heavy downpours led to isolated flash flooding in areas.

Flash Flood · Mar 27, 2021. An historic flash flooding event affected the central third of Middle Tennessee from the early morning hours on March 27 through the day into the early morning hours on March 28. A warm front moved northward into Middle Tennessee early on March 27 before stalling near the I-40 corridor. Between 300-400 AM CDT, numerous showers and thunderstorms developed along the warm front, many of which became severe and produc…

Flash Flood · Oct 6, 2021. Scattered showers and thunderstorms developed in the afternoon hours on October 6th and lasted well into the evening hours. Multiple reports of damaging winds, flash flooding, some hail, and even a tornado were received.

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Fentress County

If a building in Fentress 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.