Enter any address in Marshall County, Tennessee to see its FEMA flood zone
Flash flooding from severe thunderstorms is the dominant flood character in Marshall County. Over the past 30 years, NOAA Storm Events data shows 32 flash flood events and 8 general flood events. Recent examples include widespread flash flooding in May 2024 and creek overflow causing road closures in the Spring Hill area in December 2022.
National Flood Insurance Program (NFIP) data indicates that properties in Zone A have experienced the most claims, with an average payout of $10,253 and an average water depth of 8.2 feet. Properties in Zone X have also seen claims, averaging $6,599 with 2.7 feet of water. Homeowners in Zone A, and those in Zone X with lower elevations, should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
14 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Marshall County, Tennessee has recorded 40 flood-related events since 1996 according to NOAA's Storm Events Database, including 32 flash floods and 8 river or area floods. The county has received 17 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 |
| 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 Associated Flooding | Severe Storm | Apr 25, 2011 |
| Severe Storms, Flooding, Straight-line Winds, And Tornadoes | Severe Storm | Apr 30, 2010 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 4, 2003 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | May 8, 2024 | 500.00K |
| Flood | Feb 16, 2023 | 0.00K |
| Flash Flood | Jul 12, 2022 | 0.00K |
| Flood | Dec 7, 2022 | 0.00K |
| Flash Flood | Jun 12, 2021 | 0.00K |
| Flash Flood | Jul 5, 2020 | 0.00K |
| Flash Flood | Feb 5, 2020 | 0.00K |
| Flash Flood | Feb 23, 2019 | 209.94K |
| Flash Flood | Mar 1, 2018 | 0.00K |
| Flood | Dec 23, 2017 | 0.00K |
Flash Flood — May 8, 2024
A widespread severe weather event impacted Middle Tennessee beginning in the early morning hours of May 8, 2024, and continued through the early morning hours of May 9th. During this time frame, numerous rounds of severe weather moved through the area, causing widespread wind damage in nearly every county in Middle Tennessee, hail up to 3 inches in diameter, and four tornadoes. One of these tor...
Flood — Feb 16, 2023
A storm system and its associated cold front racing across the Great Plains combined with moist southerly flow at the surface resulted in a line of thunderstorms that impacted Middle Tennessee on February 16, 2023. As this line moved into the area that provided abundant wind shear and sufficient instability, they strengthened and quickly turned severe. Several reports of large hail and damaging...
Flash Flood — Jul 12, 2022
The largest severe weather event of summer 2022 affected much of Middle Tennessee during the afternoon and evening hours on July 12, with numerous severe thunderstorms producing large hail and wind damage. Up to softball size hail was reported in the Chapel Hill area of Marshall County, which is the largest hail reported in Middle Tennessee in many years.
Flood — Dec 7, 2022
A stalled warm front and plentiful amounts of atmospheric moisture helped to set the stage for a persistent wet pattern that lasted several days in early December across Middle Tennessee. By December 7, 2022, an estimated 2 to 4 inches over the course of this event had begun to cause creeks to overfill their banks. Minor flooding was reported across areas mainly south of Interstate 40, particul...
Flash Flood — Jun 12, 2021
Numerous showers and thunderstorms developed across Middle Tennessee during the afternoon hours on June 12th. Some storms became severe with several reports of wind damage, hail, and flash flooding.
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 Marshall 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 Marshall 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.