17 flood insurance claims·$571,725 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 Stewart 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 weather and thunderstorms dominates the flood history of Stewart County, accounting for 40 events compared to 12 general floods over the last 30 years, which resulted in 2 deaths.
Recent historic episodes demonstrate this vulnerability. A major severe weather and flooding event occurred in February 2025, driven by well-above-average moisture and heavy rainfall from showers and thunderstorms. This was followed by a multi-day severe weather event in April 2025 that brought thunderstorms, damaging winds, large hail, and a tornado risk across Middle Tennessee.
Properties across multiple FEMA zones have experienced financial impacts from these events. Homeowners and real estate agents should pay the closest attention to properties in Zone X, which recorded 12 claims with an average payout of $57,269 and an average recorded water depth of 43 inches. Properties in Zone A recorded 3 claims with an average payout of $53,787 and an average water depth of 26 inches, while Zone X_UNSHADED recorded 2 claims with an average payout of $2,999 and an average water depth of 12 inches.
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 33 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 2013, with 6 claims and $161,492 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.
21 NOAA storm reports from Stewart County describe what happened, in the words of the forecasters who covered it. Read the Tennessee flood stories →
23 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, Straight-line Winds, And Tornadoes | Dec 10, 2021 |
| Flooding | Apr 26, 2011 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 19, 2011 |
| Severe Storms, Flooding, Straight-line Winds, And Tornadoes | Apr 30, 2010 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
52 since 1996: 40 flash floods and 12 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Feb 16, 2025 | — |
| Flash Flood | Feb 15, 2025 | — |
| Flood | Apr 5, 2025 | — |
| Flash Flood | Apr 3, 2025 | — |
| Flash Flood | May 14, 2024 | — |
| Flood | May 10, 2024 | — |
| Flood | Aug 27, 2023 | — |
| Flash Flood | Feb 16, 2023 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 reported in Montgomery an…
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…
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 particularly hard with mul…
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 particularly hard with mul…
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 Stewart 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.