Enter any address in Haywood County, Tennessee to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Haywood County, TN. Over the last 30 years, NOAA Storm Events data shows 25 flash flood events compared to 7 general flood events. Recent examples include flash flooding on January 3, 2023, and April 5, 2025, both associated with severe weather systems and heavy rainfall.
National Flood Insurance Program (NFIP) claims data indicates that while Zone A areas have seen the most claims (58), Zone X areas have experienced higher average payouts ($23,717) and greater average water depths (5.3 ft). This suggests that properties in Zone X, as well as those in Zone A and areas with unknown flood risk, should pay close attention to flood preparedness.
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.
Haywood County, Tennessee has recorded 32 flood-related events since 1996 according to NOAA's Storm Events Database, including 25 flash floods and 7 river or area floods. The county has received 21 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1994–2026)
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 Winter Storm | Severe Storm | Feb 3, 2022 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Jun 5, 2014 |
| Severe Winter Storm | Severe Ice Storm | Mar 2, 2014 |
| Severe Storms, Flooding, Straight-line Winds, And Tornadoes | Severe Storm | Apr 30, 2010 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 19, 2025 | 250.00K |
| Flash Flood | Apr 5, 2025 | 20.00K |
| Flash Flood | Apr 5, 2025 | 0.00K |
| Flash Flood | Jan 3, 2023 | 0.00K |
| Flash Flood | Dec 29, 2021 | 0.00K |
| Flash Flood | Mar 27, 2021 | 0.00K |
| Flood | Feb 11, 2019 | 0.00K |
| Flood | Feb 28, 2018 | 0.00K |
| Flood | Feb 21, 2018 | 0.00K |
| Flood | Mar 1, 2018 | 0.00K |
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 — 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 — Jan 3, 2023
A warm front lifted northward off the Gulf Coast, causing rapid moisture transport to the Mid-South. In addition, an upper-level trough and associated cold front approached the area. This led to showers in the afternoon and then severe thunderstorms that continued through the overnight hours. Damaging wind, hail, tornadoes, and flash flooding were the result.
Flash Flood — Dec 29, 2021
A surface low traveled along a stalled cold front that caused thunderstorms and flash flooding across north Mississippi and west Tennessee.
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...
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 Haywood 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 Haywood 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.