Enter any address in Gibson County, Tennessee to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Gibson County, TN. Over the past 30 years, NOAA Storm Events data shows 51 flash flood events, resulting in one fatality. Recent examples include flash flooding on August 4, 2023, and February 15, 2025, driven by atmospheric conditions that produced heavy rainfall.
National Flood Insurance Program (NFIP) data indicates that properties designated as Zone A have experienced the most claims, with an average payout of $14,897 and an average water depth of 4.8 feet. While Zone X properties have fewer claims, their average payout is significantly higher at $28,773, with an average water depth of 1.4 feet. Homeowners in Zone A, as well as those in areas with unknown flood risk or outside of high-risk zones, should pay close attention to potential flood hazards.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
20 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Gibson County, Tennessee has recorded 60 flood-related events since 1996 according to NOAA's Storm Events Database, including 51 flash floods and 8 river or area floods. The county has received 28 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1971–2026)
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 |
| Severe Storms And Tornadoes | Severe Storm | Dec 9, 2023 |
| Severe Storms, Straight-line Winds, And Tornado | Severe Storm | Mar 1, 2023 |
| Severe Storms, Straight-line Winds, And Tornadoes | Tornado | Dec 10, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Flooding, Landslides, And Mudslides | Flood | Feb 19, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Jun 5, 2014 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Severe Storm | Apr 25, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | Feb 16, 2023 | 25.00K |
| Flash Flood | Feb 16, 2023 | 0.00K |
| Flash Flood | Aug 4, 2023 | 0.00K |
| Flash Flood | May 4, 2020 | 5.00K |
| Flash Flood | May 4, 2020 | 50.00K |
| Flash Flood | Feb 23, 2019 | 20.00K |
| Flash Flood | Feb 23, 2019 | 5.00K |
| Flood | Feb 11, 2019 | 0.00K |
| Flood | Feb 21, 2018 | 10.00K |
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 mo...
Flash Flood — Feb 16, 2023
A warm front lifted north of the area and warm, moist, and unstable air flowed into the Mid-South during the morning hours of February 16, 2023. A strong upper-level jet streak across the Great Lakes produced ascent across the Mid-South resulting in showers and thunderstorms with heavy rainfall and flash flooding across West Tennessee. Later in the day as the cold front approached, thunderstor...
Flash Flood — Aug 4, 2023
A stationary front was situated from southeast Missouri into northwest Tennessee during the early morning hours of August 4, 2023. An extremely unstable airmass was situated along and south of the front with surface-based convective available potential energy values of up to 7000 J/kg. Precipitable water values reached an anomalous 2.3 inches along the boundary. Thunderstorms developed across s...
Flash Flood — May 4, 2020
A front stalled across the Mid-South started to lift north as low pressure tracked into southwest Missouri. Meanwhile, a potent upper-level disturbance tracked across the region and triggered thunderstorms across Missouri. The airmass across the Mid-South was ripe for severe storms with strong shear and instability in place. Clusters of severe storms moved into northern parts of the Mid-South b...
Flash Flood — Feb 23, 2019
A strong cold front produced a line of thunderstorms that caused flash flooding, some wind damage and funnel clouds to portions of west Tennessee during the afternoon and early evening hours of February 23rd.
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 Gibson 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 Gibson 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.