40 flood insurance claims·$319,003 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 Henry 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 heavy rainfall and training storms dominates the flood history of Henry County, Tennessee. Over the last 30 years, the NOAA Storm Events Database records 30 flash flood events, alongside 6 general floods, 2 tropical storm events, and 1 tropical depression.
Recent occurrences illustrate these risks. Heavy rain and training storms produced flash flooding during early morning hours on April 5, 2025, driven by strong low-level moisture transport along a sagging frontal zone. Earlier that year, deep southwesterly flow advecting Gulf moisture ahead of an upper-level trough resulted in multiple flash flood events on February 15, 2025, as showers and thunderstorms blossomed across the region.
National Flood Insurance Program claims data demonstrates that risk is not limited to designated high-risk areas, though Zone A properties bear the heaviest impact with 28 recorded claims averaging $12,060 and an average water depth of 11 inches. Meanwhile, Zone X properties have accounted for 8 claims with an average payout of $7,390 and an average recorded water depth of 0 inches, and Zone X Unshaded properties recorded 1 claim with an average payout of $5,527 and an average water depth of 1 inch. Homeowners in Zone A, as well as those in unshaded or standard Zone X properties, should pay close attention to historical claim patterns and local water depths when assessing property risk.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
3% of Henry County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
29 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 9 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2026, with 10 claims and $187,441 paid.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
27 NOAA storm reports from Henry County describe what happened, in the words of the forecasters who covered it. Read the Tennessee flood stories →
21 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 And Straight-line Winds | Jul 18, 2023 |
| Severe Storms, Straight-line Winds, And Tornado | Mar 1, 2023 |
| Severe Storms, Straight-line Winds, And Tornadoes | Dec 10, 2021 |
| Severe Storms, Straight-line Winds, And Flooding | May 3, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Jun 5, 2014 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Apr 25, 2011 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
39 since 1996: 30 flash floods and 6 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Feb 15, 2025 | $10,000 |
| Flash Flood | Feb 15, 2025 | — |
| Flash Flood | Apr 5, 2025 | — |
| Flash Flood | Apr 3, 2025 | $10,000 |
| Flash Flood | Apr 3, 2025 | $3,000 |
| Flash Flood | May 22, 2024 | — |
| Flood | May 14, 2024 | — |
| Flash Flood | Jul 19, 2023 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Feb 15, 2025. An upper-level trough crossed the Four Corners region and dipped into northern Mexico on February 14, 2025. In response, deep southwesterly flow set up over the Lower Mississippi Valley and advected Gulf moisture poleward. Showers and thunderstorms blossomed across the region during the early morning hours on February 15, 2025. Meanwhile, a warm front quickly accelerated northward during the morning of February 15…
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 13 tornadoes, inclu…
Flash Flood · Apr 3, 2025. A significant multi-hazard, multi-day event occurred across the Mid-South from April 2, 2025, to April 8, 2025, producing 35 tornadoes, record flooding, and numerous reports of damaging winds and large hail. A large upper-level trough covered the Western U.S. in early April. A significant piece of energy rotated around the base of the trough and ejected into the Southern Plains and the Middle-Upper Mississippi Va…
Flash Flood · May 22, 2024. A decaying MCS/MCV moved through the Mid-South during the overnight/early morning hours of May 22. A slow moving cold front was stretched over the Missouri Bootheel and moisture surged northward allowing for plentiful instability. This instability collided with remnant outflow boundaries from previous convection. Peak diurnal heating hours, moisture, and enough lift caused damaging winds, large hail, and flash flo…
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 Henry 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.