Enter any address in Hardin County, Tennessee to see its FEMA flood zone
Flash flooding from heavy rainfall events is the dominant flood character in Hardin County, TN. Over the past 30 years, NOAA Storm Events data shows 29 instances of flash flooding compared to 8 general flood events. Recent examples include flash flooding reported on March 27, 2021, and March 31, 2021, both associated with significant rainfall from thunderstorms.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A and Zone X have experienced substantial payouts. Zone A properties have seen average payouts of $17,484 with an average water depth of 4.5 feet. Notably, Zone X properties, while fewer in number of claims, have recorded significantly higher average payouts, reaching $47,308 with an average water depth of 7.5 feet, and one claim in Zone X_UNSHADED averaging $12,524 with a water depth of 23.0 feet.
Homeowners and real estate agents should pay close attention to properties located in Zone A and Zone X, as these areas have historically experienced significant flood damage and payouts. Residents in these zones, as well as those in areas with unknown flood risk designations, should be particularly aware of their potential exposure.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
10 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Hardin County, Tennessee has recorded 37 flood-related events since 1996 according to NOAA's Storm Events Database, including 29 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 (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 Tornadoes | Severe Storm | Mar 31, 2023 |
| Severe Storms, Straight-line Winds, And Tornado | Severe Storm | Mar 1, 2023 |
| Severe Storms, Straight-line Winds, And Flooding | Severe Storm | May 3, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storm And Straight-line Winds | Severe Storm | Oct 26, 2019 |
| Severe Storms, Flooding, Landslides, And Mudslides | Flood | Feb 19, 2019 |
| Severe Winter Storm And Flooding | Severe Ice Storm | Feb 15, 2015 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 5, 2025 | 0.00K |
| Flash Flood | Mar 31, 2021 | 0.00K |
| Flash Flood | Mar 30, 2021 | 25.00K |
| Flash Flood | Mar 27, 2021 | 0.00K |
| Flood | Sep 13, 2020 | 10.00K |
| Flash Flood | Jul 1, 2020 | 0.00K |
| Flash Flood | Mar 1, 2018 | 0.00K |
| Flash Flood | Feb 15, 2016 | 20.00K |
| Flash Flood | Mar 10, 2016 | 0.00K |
| Flash Flood | Dec 21, 2013 | 0.00K |
Flash Flood — Apr 5, 2025
The front eventually sagged south back into the Mid-South during the early morning hours of April 5th. Strong low-level moisture transport into the frontal zone resulted in heavy rain and training storms across northern sections of the Mid-South, mainly north of I-40. A bow echo developed along and just south of the slowly advancing front. This feature crossed the entire forecast area producing...
Flash Flood — Mar 31, 2021
A cold front pushed into a moist and unstable airmass resulting in numerous showers and thunderstorms across West Tennesee and North Mississippi during the early morning hours of March 31st. Heavy rainfall resulted in flash flooding while a few severe storms produced damaging winds and a couple of weak tornado across Northeast Mississippi.
Flash Flood — Mar 30, 2021
A cold front pushed into a moist and unstable airmass resulting in numerous showers and thunderstorms across West Tennesee and North Mississippi during the early morning hours of March 31st. Heavy rainfall resulted in flash flooding while a few severe storms produced damaging winds and a couple of weak tornado across Northeast Mississippi.
Flash Flood — Mar 27, 2021
A warm front lifted north across the Mid-South during the morning hours of March 27th. Numerous thunderstorms resulted in heavy rain near the Tennessee/Mississippi line and some flash flooding along with an isolated damaging wind report. The front continued to lift north during the morning along with the complex of showers of thunderstorms. After a brief break during the early afternoon, thunde...
Flood — Sep 13, 2020
Tropical moisture continued to stream in eastern parts of the Mid-South on September 13th. Slow-moving showers and thunderstorms resulted in heavy rain and flash flooding.
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 Hardin 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 Hardin 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.