Enter any address in Lawrence County, Tennessee to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood hazard in Lawrence County, TN. Between 1993 and 2023, the NOAA Storm Events Database recorded 118 flash flood events and 22 flood events. For example, a potent storm system on March 15, 2025, brought multiple rounds of thunderstorms to the region, contributing to flash flood conditions.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone X have experienced more claims than those in Zone A, with an average payout of $20,294 and an average water depth of 0.7 feet. Zone A properties, while fewer in number, had a higher average payout of $23,104, though with a lower average water depth of 0.3 feet.
Homeowners, journalists, and real estate agents should pay close attention to flood risk, particularly those with properties located in or near floodplains, as well as homes that may not be built to Base Flood Elevation (BFE) standards.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
42 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Lawrence County, Tennessee has recorded 140 flood-related events since 1996 according to NOAA's Storm Events Database, including 118 flash floods and 22 river or area floods. The county has received 25 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2026)
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 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 Storms, Flooding, Landslides, And Mudslides | Flood | Feb 19, 2019 |
| Severe Winter Storm And Flooding | Severe Ice Storm | Feb 15, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Jun 5, 2014 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Severe Storm | Apr 25, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 25, 2025 | 10.00K |
| Flash Flood | Apr 25, 2025 | 0.00K |
| Flood | Mar 15, 2025 | 0.00K |
| Flash Flood | Mar 15, 2025 | 10.00K |
| Flash Flood | Mar 15, 2025 | 0.00K |
| Flash Flood | Jul 9, 2025 | 50.00K |
| Flood | Apr 6, 2025 | 0.00K |
| Flash Flood | May 2, 2025 | 0.00K |
| Flood | Sep 12, 2024 | 0.00K |
| Flood | Aug 26, 2023 | 0.00K |
Flash Flood — Apr 25, 2025
With abundant moisture and instability, the ingredients were there for another summer-like day across Middle Tennessee with scattered convection during the afternoon and evening of April 25, 2025. With little wind shear and forcing, these thunderstorms were non-severe. However, slow storm motions allowed for flash flooding to be the primary risk, especially in Lawrence County where a thundersto...
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 strengthene...
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 strengthene...
Flash Flood — Jul 9, 2025
Scattered thunderstorms developed across portions of Middle Tennessee during the afternoon of July 9, 2025. Weak steering flow meant that these storms were generally slow-moving. This combined with above average atmospheric moisture meant that the stage was set for heavy rain and flooding. One thunderstorm in Lawrence and Wayne counties produced four to six inches of heavy rain which caused flo...
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 partic...
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 Lawrence 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 Lawrence 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.