200 flood insurance claims·$3.3M paid·2 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 Maury 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 thunderstorms and heavy rainfall dominates the flood risk profile in Maury County, Tennessee. Over a 30-year period, the NOAA Storm Events Database recorded 68 flash flood events resulting in 4 deaths, compared to 15 general flood events. Recent history underscores this hazard, including a major multi-day severe weather event that unfolded across the region in April 2025, and heavy rains in June 2025 that dropped four to five inches of rain in southern Maury County, causing flash flooding in the Culleoka and McCain areas.
National Flood Insurance Program records show that flood risks extend beyond high-risk zones. Properties in Zone A account for 118 claims with an average payout of $17,151 and an average recorded water depth of 10 inches. Meanwhile, properties in Zone X account for 67 claims with a higher average payout of $26,958 and an average recorded water depth of 4 inches. An additional 12 claims were filed in unshaded Zone X with an average payout of $5,117 and an average recorded water depth of 5 inches, while shaded Zone X recorded 2 claims averaging a $1,510 payout with an average recorded water depth of 0 inches.
Homeowners, real estate agents, and journalists should pay the most attention to properties located within designated Zone A due to higher average water depths, while remaining aware that properties in Zone X also face significant financial losses from flooding.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
11% of Maury County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
132 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 8 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 2010, with 54 claims and $1.2M paid, the year of Severe Storms, Flooding, Straight-line Winds, and Tornadoes.
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.
47 NOAA storm reports from Maury County describe what happened, in the words of the forecasters who covered it. Read the Tennessee flood stories →
21 federal disaster declarations since 1973, 2 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, Tornadoes, And Flooding | May 8, 2024 |
| Severe Winter Storm | Dec 22, 2022 |
| Severe Storms, Tornadoes, And Flooding | Mar 25, 2021 |
| Severe Storms, Straight-line Winds, And Flooding | May 3, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Jun 5, 2014 |
| Severe Storms, Flooding, Straight-line Winds, And Tornadoes | Apr 30, 2010 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
83 since 1996: 68 flash floods and 15 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Mar 16, 2025 | — |
| Flash Flood | Mar 15, 2025 | — |
| Flash Flood | Jun 15, 2025 | $100,000 |
| Flash Flood | Apr 3, 2025 | — |
| Flash Flood | Feb 16, 2023 | — |
| Flood | Dec 7, 2022 | — |
| Flash Flood | Sep 3, 2022 | $5,000 |
| Flash Flood | Mar 27, 2021 | $334,900 · 1 killed |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Mar 16, 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 · Jun 15, 2025. Scattered thunderstorms impacted Middle Tennessee during the afternoon and evening hours of June 16, 2025. With above normal atmospheric moisture values, these thunderstorms were capable of producing very heavy rain. This combined with very slow storm motions led to a flash flooding threat. The heaviest rain recorded was in southern Maury County where radar estimates and gauges in the area measured four to five in…
Flash Flood · Apr 3, 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 Maury 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.