11 flood insurance claims·$159,413 paid·4 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 Overton 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 dominates the flood history of Overton County, accounting for 28 out of 38 recorded flood events over the last 30 years, alongside 10 general flood events. Recent history includes a major severe weather and flooding event on February 15, 2025, driven by well-above-average moisture and heavy rainfall. Another widespread severe weather event brought major flash flooding to the area on May 8, 2024, following scattered thunderstorms and damaging winds that also caused flash flooding on October 6, 2021.
National Flood Insurance Program records show claims filed across multiple zones. Properties in Zone X recorded 6 claims with an average payout of $32,054 and an average recorded water depth of 34 inches. Zone UNKNOWN recorded 3 claims with an average payout of $2,119 and an average recorded water depth of 48 inches. Zone A recorded 2 claims with an average payout of $12,419 and an average recorded water depth of 0 inches. Homeowners and real estate professionals working across both standard mapped flood hazards and unmapped or moderate-risk areas should pay close attention to these historical flood and flash flood patterns.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 38 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 3 claims and $98,592 paid, the year of Severe Storms and Flooding.
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.
10 NOAA storm reports from Overton County describe what happened, in the words of the forecasters who covered it. Read the Tennessee flood stories →
21 federal disaster declarations since 1969, 4 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 | Mar 25, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms, Flooding, Landslides, And Mudslides | Feb 19, 2019 |
| Severe Winter Storm And Flooding | Feb 15, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds And | Feb 29, 2012 |
| Severe Storms And Flooding | Aug 17, 2010 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
38 since 1996: 28 flash floods and 10 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Feb 15, 2025 | — |
| Flash Flood | May 8, 2024 | — |
| Flash Flood | Oct 6, 2021 | — |
| Flood | Oct 6, 2021 | — |
| Flash Flood | Aug 30, 2020 | — |
| Flash Flood | Aug 30, 2020 | $10,000 |
| Flash Flood | Feb 5, 2020 | $1,000 |
| Flash Flood | Feb 23, 2019 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 reported in Montgomery an…
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 tornadoes in Columbia p…
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.
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 Overton 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.