Enter any address in Overton County, Tennessee to see its FEMA flood zone
Flash flooding from severe weather events is the dominant flood character in Overton County. Between 2024 and 2025, the county experienced significant flash flood events, including one in early May 2024 associated with widespread severe weather, and another in mid-February 2025 that brought heavy rainfall and flooding to Middle Tennessee.
National Flood Insurance Program (NFIP) claims data indicates that while Zone X properties have seen the most claims, with an average payout of $21,369 and an average water depth of 17.2 feet, properties in Zone UNKNOWN have experienced deeper flooding, averaging 24.0 feet. Homeowners in areas designated as Zone X, Zone A, or Zone UNKNOWN, as well as those residing near waterways, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
10 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Overton County, Tennessee has recorded 38 flood-related events since 1996 according to NOAA's Storm Events Database, including 28 flash floods and 10 river or area floods. The county has received 21 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 (1969–2026)
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 | Tornado | Mar 25, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| 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 | Severe Storm | Feb 29, 2012 |
| Severe Storms And Flooding | Severe Storm | Aug 17, 2010 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | May 8, 2024 | 0.00K |
| Flash Flood | Oct 6, 2021 | 0.00K |
| Flood | Oct 6, 2021 | 0.00K |
| Flash Flood | Aug 30, 2020 | 0.00K |
| Flash Flood | Aug 30, 2020 | 10.00K |
| Flash Flood | Feb 5, 2020 | 1.00K |
| Flash Flood | Feb 23, 2019 | 0.00K |
| Flash Flood | Feb 20, 2019 | 230.46K |
| Flash Flood | Feb 20, 2019 | 0.00K |
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 — 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...
Flash Flood — Oct 6, 2021
Scattered showers and thunderstorms developed in the afternoon hours on October 6th and lasted well into the evening hours. Multiple reports of damaging winds, flash flooding, some hail, and even a tornado were received.
Flood — Oct 6, 2021
Scattered showers and thunderstorms developed in the afternoon hours on October 6th and lasted well into the evening hours. Multiple reports of damaging winds, flash flooding, some hail, and even a tornado were received.
Flash Flood — Aug 30, 2020
Scattered showers and thunderstorms developed across Middle Tennessee in the afternoon hours on August 30, leading to some isolated wind damage. Showers continued into the evening and late evening hours leading to flash flooding across portions of the Upper Cumberland.
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 Overton 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 Overton 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.