71 flood insurance claims·$2.1M 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 Robertson 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 storms dominates the flood history of Robertson County, TN, accounting for 36 out of 43 total flood events recorded over the last 30 years by the NOAA Storm Events Database.
Recent events illustrate this recurring hazard. During a major severe weather and flooding event on February 15–16, 2025, well above-average moisture brought very heavy rainfall to the area, resulting in significant flooding in Robertson County where numerous roadways were flooded and several homes were impacted. A subsequent potent storm system brought multiple rounds of thunderstorms on March 15, 2025, producing additional flash flooding and flooding across the region.
National Flood Insurance Program records show claims spanning multiple zones, indicating that risks extend beyond designated high-risk areas. Zone A accounts for 36 claims with an average payout of $35,369 and an average recorded water depth of 6 inches. Meanwhile, Zone X recorded 26 claims with an average payout of $31,342 and an average recorded water depth of 9 inches, and Zone X_UNSHADED recorded 5 claims with a higher average payout of $94,711 and an average recorded water depth of 14 inches. Homeowners, real estate agents, and journalists should pay the most attention to properties in both high-risk Special Flood Hazard Areas and unshaded moderate-to-low risk zones where substantial flood depths and payouts have been documented.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
16% of Robertson County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
43 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 2017, with 23 claims and $762,101 paid.
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.
19 NOAA storm reports from Robertson County describe what happened, in the words of the forecasters who covered it. Read the Tennessee flood stories →
14 federal disaster declarations since 1975, 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 And Tornadoes | Dec 9, 2023 |
| Severe Storms, Straight-line Winds, And Tornado | Mar 1, 2023 |
| Severe Storms, Flooding, Landslides, And Mudslides | Feb 19, 2019 |
| Severe Storms, Flooding, Straight-line Winds, And Tornadoes | Apr 30, 2010 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Severe Storms, Tornadoes, And Flooding | May 4, 2003 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
43 since 1996: 36 flash floods and 7 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Mar 16, 2025 | — |
| Flash Flood | Mar 15, 2025 | — |
| Flash Flood | Jun 15, 2025 | $100,000 |
| Flood | Feb 15, 2025 | — |
| Flash Flood | Feb 15, 2025 | — |
| Flash Flood | Apr 5, 2025 | — |
| Flood | Apr 3, 2025 | — |
| Flash Flood | Apr 3, 2025 | — |
— = 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…
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…
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 Robertson 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.