Enter any address in Loudon County, Tennessee to see its FEMA flood zone
Flash flooding from scattered thunderstorms is the dominant flood character in Loudon County. Over the past 30 years, NOAA Storm Events data shows 17 flash flood events and 7 flood events. For example, a frontal boundary over Kentucky contributed to isolated flooding on May 22, 2018, while a vigorous frontal system brought locally heavy rainfall on February 3, 2016.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone X_Unshaded have experienced the most claims, with an average payout of $7,371 and an average water depth of 0.9 feet. Properties in Zone A have seen fewer claims but with higher average payouts ($16,007) and water depths (1.5 feet). Homeowners in areas designated as Zone A, as well as those in Zone X and Zone X_Unshaded, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
3 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Loudon County, Tennessee has recorded 24 flood-related events since 1996 according to NOAA's Storm Events Database, including 17 flash floods and 7 river or area floods. The county has received 20 federal disaster declarations, 2 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 | Aug 7, 2023 |
| 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 |
| Severe Winter Storm And Flooding | Severe Ice Storm | Feb 15, 2015 |
| Severe Storms, Straight-line Winds, Tornadoes, And | Severe Storm | Jun 18, 2011 |
| 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 | May 22, 2018 | 0.00K |
| Flash Flood | Feb 3, 2016 | 3.00K |
| Flood | Jul 14, 2015 | 0.00K |
| Flood | Jan 30, 2013 | 1.00K |
| Flood | Sep 26, 2009 | 0.00K |
| Flash Flood | Sep 17, 2009 | 0.00K |
| Flash Flood | May 15, 2009 | 0.00K |
| Flash Flood | Sep 23, 2006 | — |
| Flash Flood | Jul 6, 2005 | — |
| Flash Flood | Aug 5, 2005 | — |
Flash Flood — May 22, 2018
A frontal boundary was over Kentucky while a warm and humid air mass was in place south of the front. Scattered diurnal convection produced isolated flooding.
Flash Flood — Feb 3, 2016
A vigorous frontal system ushered Gulf moisture into the area. A band of convection produced severe thunderstorms and locally heavy rainfall as it swept through the area.
Flood — Jul 14, 2015
A continuation of severe weather from the previous day involved convection which developed early in the day in association with an overnight outflow boundary followed by the main event involving a meso-scale convective system driving southeast into a moderately to highly unstable air mass. An amplifying upper level trough building east through the Ohio Valley added sufficient wind energy for st...
Flood — Jan 30, 2013
Heavy rain returned to the region. Though not as heavy as the event of the 15th-16th, the very wet soils enabled this event to produce widespread flooding as well.
Flood — Sep 26, 2009
A nearly stationary front across the Tennessee valley region continued to aid in the development of very heavy rainfall that contributed to flash flooding that evolved into a large areal flood event across southeast through northeast Tennessee.
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 Loudon 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 Loudon 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.