Enter any address in Grundy County, Tennessee to see its FEMA flood zone
Flash flooding from severe weather events is the primary flood concern in Grundy County, TN. Over the past 30 years, NOAA Storm Events data shows 20 recorded flash flood events compared to 3 general flood events. Recent examples include widespread flash flooding impacting Middle Tennessee in May 2024, and flash flooding occurring in March 2020 following showers and thunderstorms.
National Flood Insurance Program (NFIP) claims data indicates that while Zone A areas have seen claims with no reported water depth or payout, Zone X areas have experienced claims with an average payout of $35,750 and an average water depth of 2.0 feet. Homeowners in Zone X, as well as those residing in areas prone to rapid water level rises from heavy rainfall, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
8 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Grundy County, Tennessee has recorded 23 flood-related events since 1996 according to NOAA's Storm Events Database, including 20 flash floods and 3 river or area floods. The county has received 22 federal disaster declarations, 3 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 |
| Severe Storms, Straight-line Winds, And Tornado | Severe Storm | Mar 1, 2023 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Winter Storm And Flooding | Severe Ice Storm | Feb 15, 2015 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Storms And Flooding | Severe Storm | Sep 16, 2004 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 4, 2003 |
| Tn - Chattanooga Fire Complex - 11/03/01 | Fire | Nov 3, 2001 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | May 8, 2024 | 500.00K |
| Flash Flood | Mar 24, 2020 | 10.00K |
| Flash Flood | Feb 23, 2019 | 0.00K |
| Flash Flood | Feb 23, 2019 | 5.00K |
| Flash Flood | Feb 20, 2019 | 0.00K |
| Flash Flood | Mar 9, 2019 | 0.00K |
| Flood | Dec 28, 2018 | 0.00K |
| Flash Flood | Mar 1, 2018 | 5.00K |
| Flash Flood | Dec 25, 2015 | 0.00K |
| Flash Flood | Apr 28, 2013 | 0.00K |
Flash Flood — May 8, 2024
A widespread severe weather event impacted Middle Tennessee beginning in the early morning hours of May 8, 2024, and continued through the early morning hours of May 9th. During this time frame, numerous rounds of severe weather moved through the area, causing widespread wind damage in nearly every county in Middle Tennessee, hail up to 3 inches in diameter, and four tornadoes. One of these tor...
Flash Flood — Mar 24, 2020
Numerous showers and thunderstorms developed across Middle Tennessee during the afternoon and evening hours of March 24, including one supercell thunderstorm that tracked through Wayne and Lawrence Counties. Although no severe weather was reported, several incidents of flash flooding occurred.
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. ...
Flash Flood — Feb 20, 2019
After an already very wet month, additional heavy rainfall and thunderstorms moved into Middle Tennessee from Tuesday February 19 into Wednesday February 20. With the airmass being initially cold and dry, the rainfall briefly fell as a mix of rain and sleet across southern Middle Tennessee, although no measurable sleet accumulation was reported. Considerable cloud to ground positive lightning a...
Flash Flood — Mar 9, 2019
A line of scattered showers and thunderstorms moved across Middle Tennessee during the afternoon and evening hours on March 9. One supercell thunderstorm produced wind damage across southern Wayne and Lawrence Counties, while another supercell caused wind damage in Grundy County. Farther to the north, a QLCS caused wind damage in Rutherford and Cannon Counties. Strong southerly gradient winds a...
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 Grundy 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 Grundy 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.