235 flood insurance claims·$15.7M paid·4 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 Humphreys 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 severe storms dominates the flood risk profile in Humphreys County, accounting for 35 recorded events and 20 deaths compared to 8 standard flood events over the last 30 years. Recent storm systems have driven this hazard, including a potent storm system that brought heavy rainfall and flooding on February 15, 2025, followed by multiple rounds of thunderstorms on March 17, 2025.
National Flood Insurance Program records indicate that high-risk Zone A properties experience the heaviest concentration of losses, with 207 claims averaging $69,606 in payouts and an average recorded water depth of 5 inches. Properties in moderate- to low-risk zones also face documented hazards; Zone X claims averaged $123,935 with an average water depth of 4 inches, unshaded Zone X claims averaged $53,864 with an average water depth of 7 inches, and shaded Zone X claims averaged $27,448 with an average water depth of 3 inches.
Homeowners, real estate agents, and journalists should pay the closest attention to properties located within high-risk Zone A, while recognizing that properties in Zone X designations also carry verified financial and physical flood risks.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
5% of Humphreys County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
219 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 5 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 2021, with 107 claims and $12.2M paid, the year of Severe Storm and Flooding.
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.
23 NOAA storm reports from Humphreys County describe what happened, in the words of the forecasters who covered it. Read the Tennessee flood stories →
26 federal disaster declarations since 1975, 4 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 Tornado | Mar 1, 2023 |
| Severe Storm And Flooding | Aug 21, 2021 |
| Severe Storms, Straight-line Winds, And Flooding | May 3, 2020 |
| Severe Storm And Straight-line Winds | Oct 26, 2019 |
| Severe Storms, Flooding, Landslides, And Mudslides | Feb 19, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Apr 25, 2011 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
43 since 1996: 35 flash floods and 8 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Mar 17, 2025 | — |
| Flash Flood | Mar 15, 2025 | — |
| Flash Flood | Feb 15, 2025 | — |
| Flood | Apr 6, 2025 | — |
| Flood | Apr 3, 2025 | — |
| Flash Flood | Apr 3, 2025 | — |
| Flash Flood | Feb 28, 2021 | — |
| Flash Flood | Aug 21, 2021 | — · 1 killed |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Mar 17, 2025. A potent storm system brought multiple rounds of thunderstorms and severe weather to Middle Tennessee on March 15, 2025. The main risk for severe weather was associated with a line of thunderstorms that tracks east across Middle Tennessee during the afternoon and evening hours. This line produced one EF-1 tornado near Christiana. As this line moved towards the Cumberland Plateau, it strengthened and caused wind da…
Flash Flood · Mar 15, 2025. A potent storm system brought multiple rounds of thunderstorms and severe weather to Middle Tennessee on March 15, 2025. The main risk for severe weather was associated with a line of thunderstorms that tracks east across Middle Tennessee during the afternoon and evening hours. This line produced one EF-1 tornado near Christiana. As this line moved towards the Cumberland Plateau, it strengthened and caused wind da…
Flash Flood · Feb 15, 2025. A major severe weather and flooding event unfolded across Middle Tennessee on February 15-16, 2025. As well above average moisture spread into the area, this helped set the stage for very heavy rainfall across Middle Tennessee. Showers and thunderstorms began early during the day on February 15th, and the primary threat with this first round was flooding. The most significant flooding was reported in Montgomery an…
Flood · Apr 6, 2025. A major and historic multi-day severe weather event unfolded across Middle Tennessee during early April 2025. This event began during the afternoon hours of April 2nd and continued through April 6th. These first couple rounds of thunderstorms brought damaging winds and large hail along with a tornado risk. The corridor from southwest Middle Tennessee into the Nashville metro area was hit particularly hard with mul…
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 Humphreys 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.