Enter any address in Franklin County, Tennessee to see its FEMA flood zone
Flash flooding from intense thunderstorms is the primary flood hazard in Franklin County, TN. Over the past 30 years, the NOAA Storm Events Database has recorded 52 flash flood events, significantly more than other flood types. For example, widespread rainfall of 3-6 inches across much of the area, with localized amounts of 6-8 inches, led to flash flooding on September 19-20, 2021, causing numerous road closures.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A and Zone X have experienced the most claims. While Zone V has had fewer claims, the average payout and water depth were substantially higher. Homeowners in Zone A, Zone X, and particularly Zone V, should pay close attention to their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
14 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Franklin County, Tennessee has recorded 58 flood-related events since 1996 according to NOAA's Storm Events Database, including 52 flash floods and 4 river or area floods. The county has received 15 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2026)
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 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Severe Storm | Apr 25, 2011 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Feb 28, 2011 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Storms, Tornadoes And High Winds | Severe Storm | Jan 17, 1999 |
| Severe Winter Storm | Severe Storm | Dec 23, 1998 |
| Severe Winter Ice Storm,flash Flooding | Severe Storm | Feb 9, 1994 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Aug 13, 2025 | 0.00K |
| Flash Flood | Mar 31, 2021 | 0.00K |
| Flash Flood | Sep 19, 2021 | 0.00K |
| Flash Flood | Mar 24, 2020 | 0.00K |
| Flash Flood | Dec 25, 2015 | 0.00K |
| Flash Flood | Apr 28, 2014 | 0.00K |
| Flash Flood | Aug 18, 2014 | 0.00K |
| Flash Flood | Jan 30, 2013 | 0.00K |
| Flash Flood | Apr 28, 2013 | 0.00K |
| Flood | Jul 4, 2013 | 0.00K |
Flash Flood — Aug 13, 2025
Isolated flash flooding in southern middle Tennessee.
Flash Flood — Mar 31, 2021
Two thunderstorm complexes moved through southern middle Tennessee during the early and mid morning hours of the 31st. Rainfall of 1.5 to 4.25 inches were reported during this time, resulting in flash flooding of a few roads.
Flash Flood — Sep 19, 2021
Showers and thunderstorms repeatedly moved across Northern Alabama and Southern Middle TN on the 19th and 20th. Numerous roads were closed in Lincoln County, with widespread rainfall amounts of 3-6 across much of the area. Portions of NW Madison received 6-8 over a few hours, leading to flash flooding.
Flash Flood — Mar 24, 2020
Multiple supercell clusters developed in northern Mississippi and western Tennessee during the late afternoon hours, which moved east across southern middle Tennessee during the mid evening hours. One of these storms produced an EF-1 tornado in Franklin County. Several reports of wind damage were received. Also, several reports of flash flooding were received in Franklin County following the...
Flash Flood — Dec 25, 2015
Numerous systems affecting the Tennessee valley earlier in the month set the stage widespread flash flooding and areal flooding across much of the region during the final week of 2015. Numerous roads across several counties we closed as very heavy, persistent rainfall prompted many rivers, streams, and low lying areas to flood. One fatality was reported during this end of the year flood event...
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 Franklin 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 Franklin 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.