Enter any address in Sequatchie County, Tennessee to see its FEMA flood zone
Flash flooding from thunderstorms is the primary flood hazard in Sequatchie County. Over the past 30 years, the NOAA Storm Events Database has recorded 16 flash flood events and 10 general flood events in the county. Recent examples include flash flooding in far northwest Sequatchie County on July 18, 2025, following isolated thunderstorms, and catastrophic flash flooding and river flooding associated with Tropical Storm Helene on September 27, 2024.
National Flood Insurance Program (NFIP) data shows 16 claims filed in Zone A, with an average payout of $7,759 and an average water depth of 1.7 feet. Homeowners in Zone A, particularly those near waterways or in low-lying areas, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
5 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Sequatchie County, Tennessee has recorded 27 flood-related events since 1996 according to NOAA's Storm Events Database, including 16 flash floods and 10 river or area floods. The county has received 21 federal disaster declarations, 2 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 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Flooding, Landslides, And Mudslides | Flood | Feb 19, 2019 |
| Smith Mountain Fire Complex | Fire | Nov 11, 2016 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Jun 5, 2014 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Severe Storm | Apr 25, 2011 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Apr 10, 2009 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 18, 2025 | 0.00K |
| Flash Flood | Sep 27, 2024 | 0.00K |
| Flash Flood | May 9, 2024 | 0.00K |
| Flood | Feb 23, 2022 | 0.00K |
| Flood | Mar 28, 2021 | 0.00K |
| Flash Flood | Sep 18, 2021 | 0.00K |
| Flash Flood | Oct 6, 2021 | 0.00K |
| Flood | Feb 23, 2019 | 100.00K |
| Flash Flood | Feb 3, 2016 | 0.00K |
| Flood | Dec 25, 2015 | 0.00K |
Flash Flood — Jul 18, 2025
Isolated thunderstorms over the Cumberland plateau produced some locally heavy rains and flash flooding in far northwest Sequatchie county.
Flash Flood — Sep 27, 2024
Tropical Storm Helene caps off a several day heavy rainfall event in association with a stalled closed upper low that drew a stream of tropical moisture into the area on the 25th and 26th. The arrival of Helene on the 27th yielded catastrophic flash flooding and river flooding, as well as significant wind damage as wet soils and strong wind gusts led to forest damage.
Flash Flood — May 9, 2024
A cutoff low over the North Plains, coupled with intense winds aloft and a cold front at the surface, helped spawn multiple rounds of severe thunderstorms that produced hail, flash flooding, and damaging winds to East Tennessee.
Flood — Feb 23, 2022
A moist southwesterly flow aloft ran nearly parallel to a stalled cold front near east Tennessee on the 23rd. A surface low near Lake Charles LA would move up the boundary and produce a second round of rains on the 24th.
Flood — Mar 28, 2021
Thunderstorms with large hail spread northward across East Tennessee during the early morning hours of March 27, reaching southwest Virginia by late morning. These storms were associated with a warm front, which later stalled across northeast Tennessee. This stalled front was the focus of additional thunderstorms that produced damaging wind gusts and flooding in the evening of March 27 and into...
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 Sequatchie 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 Sequatchie 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.