Enter any address in Hardeman County, Tennessee to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Hardeman County. Between 1996 and 2023, NOAA Storm Events data recorded 22 flash flood events, alongside 5 general flood events and 1 tropical storm. Recent examples include flash flooding reported on July 4, 2023, following scattered showers and thunderstorms, and on March 17, 2021, when heavy rain from a slow-moving warm front caused flash flooding.
While the National Flood Insurance Program (NFIP) has seen fewer claims in Hardeman County, Zone A properties experienced higher average payouts ($6,350) compared to Zone X properties ($2,981). Homeowners in Zone A, and those residing near waterways or in areas without a Base Flood Elevation (BFE), should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
15 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Hardeman County, Tennessee has recorded 28 flood-related events since 1996 according to NOAA's Storm Events Database, including 22 flash floods and 5 river or area floods. The county has received 18 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1975–2026)
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 Tornadoes | Severe Storm | Mar 31, 2023 |
| Severe Storms, Tornadoes, And Flooding | Tornado | Mar 25, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Winter Storm And Flooding | Severe Ice Storm | Feb 15, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Severe Storm | Apr 25, 2011 |
| Severe Storms, Flooding, Straight-line Winds, And Tornadoes | Severe Storm | Apr 30, 2010 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 19, 2025 | 25.00K |
| Flash Flood | Jul 4, 2023 | 0.00K |
| Flash Flood | Mar 17, 2021 | 0.00K |
| Flood | Feb 22, 2018 | 0.00K |
| Flood | Mar 1, 2018 | 0.00K |
| Flash Flood | Aug 31, 2017 | 0.00K |
| Flash Flood | Mar 10, 2016 | 10.00K |
| Flash Flood | May 17, 2015 | 0.00K |
| Flash Flood | Jun 9, 2014 | 0.00K |
| Flood | Jan 13, 2013 | 25.00K |
Flash Flood — Jun 19, 2025
A very warm, moist, and unstable airmass was in place across the Mid-South ahead of an approaching cold front. Dewpoints ranged from 75 to 80 degrees across the area. As the cold front sagged south, an upper-level disturbance pushed into the region, causing an increase in shear. Convection developed along an old outflow boundary during the late afternoon and evening hours on June 18, 2025. Addi...
Flash Flood — Jul 4, 2023
Scattered showers and thunderstorms developed along and south of I-40 due to diurnal heating during the late afternoon on July 4, 2023. Weak wind shear combined with deep moisture produced slow-moving, highly efficient rainfall-producing thunderstorms. There were several reports of flash flooding across the area.
Flash Flood — Mar 17, 2021
A slow-moving warm front lifted north into the Mid-South during the morning hours of March 17th with numerous showers and thunderstorms. Heavy rain produced some flash flooding and there were a couple of severe weather reports along with a couple of damaging lightning strikes. The front stalled across the area during the day with southern parts of the Mid-South, especially northeast Mississippi...
Flood — Feb 22, 2018
A prolonged period of rainfall was generated along the backside of a slow moving cold front across portions of West Tennessee during the late evening hours of February 21st continuing into February 22nd. Another round of rain moved through parts of West Tennessee during the late evening of February 22 into the morning hours of February 23rd. Areal flooding was common across West Tennessee durin...
Flood — Mar 1, 2018
Persistent moderate to heavy rain fell over already well saturated soils and caused additional flooding over parts of southwest Tennessee during the morning hours of March 1st.
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 Hardeman 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 Hardeman 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.