Enter any address in Obion County, Tennessee to see its FEMA flood zone
Flash flooding from heavy rainfall events is the dominant flood character in Obion County. Between 2015 and 2025, NOAA Storm Events data recorded 33 flash flood events and 13 general flood events, resulting in one reported death. For example, significant rainfall in early April 2025 led to widespread river flooding, including major inundation on the Obion River. Another event in February 2025 also brought flash flooding to the region.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with 110 claims averaging $25,353 and an average water depth of 1.3 feet. Properties in Zone X_SHADED have also seen a notable number of claims (18), with an average payout of $21,184 and a higher average water depth of 2.5 feet. Homeowners in Zone A and Zone X_SHADED, as well as those residing near rivers or in areas without a Base Flood Elevation (BFE), should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
22 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Obion County, Tennessee has recorded 48 flood-related events since 1996 according to NOAA's Storm Events Database, including 33 flash floods and 13 river or area floods. The county has received 22 federal disaster declarations, 4 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 Tornadoes | Tornado | Dec 10, 2021 |
| 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, 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 |
|---|---|---|
| Flash Flood | Feb 16, 2025 | 5.00M |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flood | Feb 15, 2025 | 0.00K |
| Flood | Apr 6, 2025 | 1.50M |
| Flood | Apr 6, 2025 | 300.00K |
| Flood | Apr 6, 2025 | 100.00K |
| Flood | Apr 6, 2025 | 125.00K |
| Flash Flood | May 24, 2024 | 0.00K |
| Flash Flood | Aug 4, 2023 | 1.00M |
| Flash Flood | Aug 4, 2023 | 0.00K |
Flash Flood — Feb 16, 2025
An upper-level trough crossed the Four Corners region and dipped into northern Mexico on February 14, 2025. In response, deep southwesterly flow set up over the Lower Mississippi Valley and advected Gulf moisture poleward. Showers and thunderstorms blossomed across the region during the early morning hours on February 15, 2025. Meanwhile, a warm front quickly accelerated northward during the mo...
Flash Flood — Feb 15, 2025
An upper-level trough crossed the Four Corners region and dipped into northern Mexico on February 14, 2025. In response, deep southwesterly flow set up over the Lower Mississippi Valley and advected Gulf moisture poleward. Showers and thunderstorms blossomed across the region during the early morning hours on February 15, 2025. Meanwhile, a warm front quickly accelerated northward during the mo...
Flood — Feb 15, 2025
An upper-level trough crossed the Four Corners region and dipped into northern Mexico on February 14, 2025. In response, deep southwesterly flow set up over the Lower Mississippi Valley and advected Gulf moisture poleward. Showers and thunderstorms blossomed across the region during the early morning hours on February 15, 2025. Meanwhile, a warm front quickly accelerated northward during the mo...
Flood — Apr 6, 2025
Total rainfall amounts of 10-15 inches occurred across parts of east Arkansas, the Missouri Bootheel, West Tennessee, and extreme northwest Mississippi during the April 2- April 5 event. This resulted in widespread river flooding for several days following the event including major flooding on the Obion River and the North Fork Forked Deer River.
Flash Flood — May 24, 2024
An active storm pattern as several mid-level shortwaves crossed the region. An MCV lifted east northeast out of the Ozarks across southern Arkansas. The MCV fired up morning convection across the Mid-South with isolated storm coverage in the afternoon. A weak capped environment was broken and steep mid-level lapse rates, roughly 30 knots of shear, and plentiful instability allowed storms to flo...
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 Obion 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 Obion 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.