Enter any address in Stewart County, Tennessee to see its FEMA flood zone
Flash flooding is the dominant flood character in Stewart County, TN, with 40 recorded events in the last 30 years. These events can be severe, as seen in the February 2025 severe weather and flooding event that impacted Middle Tennessee, causing numerous flooded roadways and affecting homes. Another significant multi-day severe weather event in April 2025 also brought heavy rainfall to the region.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone X have experienced the most claims, with an average payout of $40,381 and an average water depth of 22.7 feet. While Zone A properties have had fewer claims, the average water depth was 17.0 feet. Homeowners in Zone X, Zone A, and Zone X_Unshaded, as well as those 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.
21 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Stewart County, Tennessee has recorded 52 flood-related events since 1996 according to NOAA's Storm Events Database, including 40 flash floods and 12 river or area floods. The county has received 23 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 (1975–2026)
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 And Tornadoes | Severe Storm | Dec 9, 2023 |
| Severe Storms, Straight-line Winds, And Tornado | Severe Storm | Mar 1, 2023 |
| Severe Storms, Straight-line Winds, And Tornadoes | Tornado | Dec 10, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Flooding | Flood | Apr 26, 2011 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Severe Storm | Apr 19, 2011 |
| Severe Storms, Flooding, Straight-line Winds, And Tornadoes | Severe Storm | Apr 30, 2010 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Feb 16, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flood | Apr 5, 2025 | 0.00K |
| Flash Flood | Apr 3, 2025 | 0.00K |
| Flash Flood | May 14, 2024 | 0.00K |
| Flood | May 10, 2024 | 0.00K |
| Flood | Aug 27, 2023 | 0.00K |
| Flash Flood | Feb 16, 2023 | 0.00K |
| Flash Flood | Aug 12, 2023 | 0.00K |
| Flood | Feb 22, 2022 | 0.00K |
Flood — Feb 16, 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 — 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...
Flood — Apr 5, 2025
A major and historic multi-day severe weather event unfolded across Middle Tennessee during early April 2025. This event began during the afternoon hours of April 2nd and continued through April 6th. These first couple rounds of thunderstorms brought damaging winds and large hail along with a tornado risk. The corridor from southwest Middle Tennessee into the Nashville metro area was hit partic...
Flash Flood — Apr 3, 2025
A major and historic multi-day severe weather event unfolded across Middle Tennessee during early April 2025. This event began during the afternoon hours of April 2nd and continued through April 6th. These first couple rounds of thunderstorms brought damaging winds and large hail along with a tornado risk. The corridor from southwest Middle Tennessee into the Nashville metro area was hit partic...
Flash Flood — May 14, 2024
An active pattern across Middle Tennessee continued on May 14, 2024, as yet another line of thunderstorms moved across the area. The primary threat with these thunderstorms were damaging winds with several reports of downed trees received across Giles County, Marshall County, Bedford County, and Coffee County. Very slow-moving thunderstorms also produced flash flooding across portions of Stewar...
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 Stewart 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 Stewart 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.