Enter any address in Jackson County, Tennessee to see its FEMA flood zone
Flash flooding from severe weather events is the dominant flood character in Jackson County. Recent examples include a major severe weather and flooding event on February 15-16, 2025, which brought very heavy rainfall, and an historic flash flooding event that affected the region from March 27-28, 2021.
National Flood Insurance Program (NFIP) claims data indicates that while most claims in Jackson County have occurred in Zone A, with an average payout of $12,935 and water depth of 0.2 feet, there have also been claims in Zone X with a significantly higher average payout of $502,121 and water depth of 1.5 feet. Homeowners in areas designated as Zone A, as well as those in Zone X, should pay close attention to flood risk.
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.
Jackson County, Tennessee has recorded 26 flood-related events since 1996 according to NOAA's Storm Events Database, including 23 flash floods and 3 river or area floods. The county has received 35 federal disaster declarations, 6 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1969–2026)
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, Tornadoes, And Flooding | Severe Storm | May 8, 2024 |
| Severe Storms, Straight-line Winds, And Tornado | Severe Storm | Mar 1, 2023 |
| Severe Storms, Tornadoes, And Flooding | Tornado | Mar 25, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Flooding, Landslides, And Mudslides | Flood | Feb 19, 2019 |
| Severe Storms, Straight-line Winds, And Flooding | Severe Storm | May 27, 2017 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | Mar 28, 2021 | 424.63K |
| Flash Flood | Feb 28, 2021 | 5.00K |
| Flash Flood | Feb 5, 2020 | 0.00K |
| Flash Flood | Feb 20, 2019 | 0.00K |
| Flash Flood | Jul 13, 2019 | 25.00K |
| Flash Flood | Jul 13, 2019 | 0.00K |
| Flash Flood | Feb 6, 2019 | 10.00K |
| Flash Flood | Jun 27, 2018 | 25.00K |
| Flood | Feb 10, 2018 | 0.00K |
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 repor...
Flash Flood — Mar 28, 2021
An historic flash flooding event affected the central third of Middle Tennessee from the early morning hours on March 27 through the day into the early morning hours on March 28. A warm front moved northward into Middle Tennessee early on March 27 before stalling near the I-40 corridor. Between 300-400 AM CDT, numerous showers and thunderstorms developed along the warm front, many of which beca...
Flash Flood — Feb 28, 2021
Numerous showers and thunderstorms affected Middle Tennessee during the evening hours on February 27, then again during the afternoon and evening hours on February 28. Several storms became severe and produced damaging winds, large hail, and flash flooding.
Flash Flood — Feb 5, 2020
After an unusually wet January, another strong storm system brought more heavy rainfall, flooding, and severe storms to parts of Middle Tennessee on February 5th. A line of strong to severe thunderstorms known as a QLCS (Quasi-linear Convective System) developed in northern Mississippi and moved across southern and eastern Middle Tennessee during the afternoon and evening hours. These storms sp...
Flash Flood — Feb 20, 2019
After an already very wet month, additional heavy rainfall and thunderstorms moved into Middle Tennessee from Tuesday February 19 into Wednesday February 20. With the airmass being initially cold and dry, the rainfall briefly fell as a mix of rain and sleet across southern Middle Tennessee, although no measurable sleet accumulation was reported. Considerable cloud to ground positive lightning a...
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 Jackson 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 Jackson 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.