Enter any address in Sumner County, Tennessee to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Sumner County. Between 2000 and 2024, NOAA Storm Events data recorded 72 flash flood events and 8 general flood events. Recent examples include a major flooding event on February 15-16, 2025, which brought very heavy rainfall to the region, and another potent storm system on March 15, 2025, that caused thunderstorms and severe weather.
FEMA data shows that properties in Zone A have experienced the most National Flood Insurance Program (NFIP) claims, with an average payout of $28,352 and an average water depth of 5.2 feet. Properties in Zone X also see significant claims, averaging $14,981 with 3.9 feet of water depth. Homeowners in Zone A, and those in Zone X, should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
33 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Sumner County, Tennessee has recorded 80 flood-related events since 1996 according to NOAA's Storm Events Database, including 72 flash floods and 8 river or area floods. The county has received 22 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 (1969–2026)
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, Tornadoes, And Flooding | Severe Storm | May 8, 2024 |
| 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 |
| Severe Storms, Flooding, Tornadoes, And Straight-line Winds | Severe Storm | Apr 4, 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 |
|---|---|---|
| Flash Flood | Mar 15, 2025 | 0.00K |
| Flash Flood | Jun 15, 2025 | 50.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | Apr 5, 2025 | 0.00K |
| Flash Flood | Apr 3, 2025 | 0.00K |
| Flash Flood | Jun 30, 2024 | 100.00K |
| Flash Flood | May 8, 2024 | 2.00M |
| Flash Flood | Jul 8, 2023 | 0.00K |
| Flash Flood | Sep 13, 2020 | 0.00K |
| Flash Flood | Dec 29, 2019 | 0.00K (1 deaths) |
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 strengthene...
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 meas...
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...
Flash 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...
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 Sumner 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 Sumner 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.