Enter any address in Henderson County, Tennessee to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent type of flood event in Henderson County, TN, with 25 such events recorded by NOAA in the last 30 years. For example, slow-moving thunderstorms produced over 8 inches of rain in some areas on July 1, 2020, leading to flash flooding. Another flash flood event occurred on March 27, 2021, due to numerous thunderstorms and heavy rain.
National Flood Insurance Program (NFIP) claims data shows that both Zone A and Zone X areas have experienced flooding. Zone A areas had 8 claims with an average payout of $23,974 and an average water depth of 0.9 feet. Zone X areas also had 8 claims, but with a higher average payout of $43,365 and an average water depth of 3.2 feet.
Residents in Zone A and Zone X areas should pay close attention to flood risk. Those in Zone X areas have experienced higher average water depths and payouts, suggesting a need for awareness even outside of high-risk flood zones.
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.
Henderson County, Tennessee has recorded 31 flood-related events since 1996 according to NOAA's Storm Events Database, including 25 flash floods and 5 river or area floods. The county has received 27 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 (1974–2026)
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 |
| Severe Winter Storm | Winter Storm | Dec 22, 2022 |
| Severe Storms, Straight-line Winds, And Tornadoes | Tornado | Dec 10, 2021 |
| Severe Storms, Tornadoes, And Flooding | Tornado | Mar 25, 2021 |
| 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 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Mar 15, 2025 | 50.00K |
| Flash Flood | Mar 27, 2021 | 75.00K |
| Flash Flood | Jul 1, 2020 | 25.00K |
| Flood | Feb 22, 2018 | 15.00K |
| Flood | Mar 1, 2018 | 0.00K |
| Flash Flood | Jul 22, 2016 | 30.00K |
| Flash Flood | Mar 10, 2016 | 0.00K |
| Flood | Mar 10, 2016 | 0.00K |
| Flash Flood | Apr 15, 2015 | 0.00K |
| Flash Flood | Jun 9, 2014 | 0.00K |
Flash Flood — Mar 15, 2025
An upper low over the Central Plains moved into the Upper Mississippi Valley during the evening hours of Friday, March 14, 2025. Increasing moisture advection ahead of an approaching cold front lifted dewpoints into the low to mid 60s. This coupled with increasing height falls and a mid-level 80 knot jet rotating around the main upper low supported severe thunderstorm development. Large looping...
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...
Flash Flood — Jul 1, 2020
Slow-moving thunderstorms developed along an outflow boundary across West Tennessee, near the Tennessee River, and Northeast Mississippi during the early morning hours on July 1, 2020. Some locations picked up more than 8 inches of rain. Meanwhile, a mesoscale convective system that developed over Southeast Nebraska and Northwest Missouri earlier in the day raced southeast and moved through the...
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 Henderson 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 Henderson 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.