Enter any address in Montgomery County, Tennessee to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Montgomery County, TN. Between 1993 and 2023, NOAA Storm Events data recorded 58 flash flood events and 16 flood events, which resulted in 2 fatalities. Recent events include significant flooding reported in Montgomery and Robertson counties in February 2025, where numerous roadways and several homes were impacted by heavy rainfall. Another event in March 2025 brought severe weather and wind damage to the region.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A experienced the highest average payouts ($64,261) and water depths (10.5 feet). Zone X also saw a significant number of claims with an average payout of $17,372 and water depths of 4.1 feet. Homeowners in Zone A and Zone X, as well as those in areas with unknown flood risk, should pay particular attention to flood potential.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
30 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Montgomery County, Tennessee has recorded 74 flood-related events since 1996 according to NOAA's Storm Events Database, including 58 flash floods and 16 river or area floods. The county has received 22 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1975–2026)
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 And Tornadoes | Severe Storm | Dec 9, 2023 |
| Severe Storms, Straight-line Winds, And Tornado | Severe Storm | Mar 1, 2023 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storm And Straight-line Winds | Severe Storm | Oct 26, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Severe Storm | Apr 25, 2011 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Severe Storm | Apr 19, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Mar 16, 2025 | 0.00K |
| Flood | Feb 16, 2025 | 0.00K |
| Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 1.00M |
| Flash Flood | Apr 5, 2025 | 0.00K |
| Flood | Apr 3, 2025 | 0.00K |
| Flash Flood | Apr 3, 2025 | 0.00K |
| Flood | May 8, 2024 | 0.00K |
| Flash Flood | May 8, 2024 | 1.00M |
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 strengthene...
Flood — Feb 16, 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...
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 — 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 — Apr 5, 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 Montgomery 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 Montgomery 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.