3 flood insurance claims·$12,313 paid·1 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Hardeman 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.
Flash flooding from summer thunderstorms and slow-moving weather systems dominates the flood profile of Hardeman County, TN, accounting for 22 of the 28 recorded flood events over the last 30 years, alongside 5 general floods and 1 tropical storm.
Heavy rainfall events frequently produce localized flash flooding, as seen during slow-moving thunderstorms on July 4, 2023, and via moist, unstable airmasses interacting with a stalled warm front on March 17, 2021. Additional flash flooding occurred on June 19, 2025, driven by convection developing along outflow boundaries ahead of an approaching cold front.
National Flood Insurance Program records show minimal historical claim volume, consisting of 2 claims in Zone X with an average payout of $2,981 and an average recorded water depth of 0 inches, and 1 claim in Zone A with an average payout of $6,350 and an average recorded water depth of 0 inches. Homeowners and real estate agents in designated flood zones, particularly Zone A, should pay the closest attention to property elevation and local drainage conditions during heavy precipitation.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
15 NOAA storm reports from Hardeman County describe what happened, in the words of the forecasters who covered it. Read the Tennessee flood stories →
18 federal disaster declarations since 1975, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 22, 2026 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 2, 2025 |
| Severe Storms, Straight-line Winds, And Tornadoes | Mar 31, 2023 |
| Severe Storms, Tornadoes, And Flooding | Mar 25, 2021 |
| Severe Winter Storm And Flooding | Feb 15, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Apr 25, 2011 |
| Severe Storms, Flooding, Straight-line Winds, And Tornadoes | Apr 30, 2010 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
28 since 1996: 22 flash floods and 5 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 19, 2025 | $25,000 |
| Flash Flood | Jul 4, 2023 | — |
| Flash Flood | Mar 17, 2021 | — |
| Flood | Feb 22, 2018 | — |
| Flood | Mar 1, 2018 | — |
| Flash Flood | Aug 31, 2017 | — |
| Flash Flood | Mar 10, 2016 | $10,000 |
| Flash Flood | May 17, 2015 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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. Additional development o…
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, becoming quite uns…
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 during this period with m…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Hardeman 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.