Enter any address in Tipton County, Tennessee to see its FEMA flood zone
Flash flooding from intense thunderstorms is the primary flood hazard in Tipton County. Over the past 30 years, NOAA Storm Events data shows 46 flash flood events, resulting in two fatalities. Recent examples include heavy rainfall and training storms on April 5, 2025, and a significant multi-hazard event from April 2-8, 2025, which brought record flooding.
National Flood Insurance Program (NFIP) data indicates that properties in Zone X, typically considered moderate flood risk, have experienced the most claims, with an average payout of $38,456 and water depths averaging 1.5 feet. Properties in Zone A, designated Special Flood Hazard Areas, have also seen substantial claims. Homeowners in Zone X and Zone A, as well as those in areas with unknown flood risk, should pay close attention to flood potential.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
24 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Tipton County, Tennessee has recorded 60 flood-related events since 1996 according to NOAA's Storm Events Database, including 46 flash floods and 13 river or area floods. The county has received 25 federal disaster declarations, 3 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 |
| Severe Storms And Straight-line Winds | Severe Storm | Jul 18, 2023 |
| Severe Storms And Straight-line Winds | Severe Storm | Jun 25, 2023 |
| Severe Storms, Straight-line Winds, And Tornadoes | Severe Storm | Mar 31, 2023 |
| Severe Storms, Straight-line Winds, And Tornado | Severe Storm | Mar 1, 2023 |
| Severe Winter Storm | Severe Storm | Feb 3, 2022 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Flooding, Landslides, And Mudslides | Flood | Feb 19, 2019 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 19, 2025 | 5.00M |
| Flash Flood | Apr 5, 2025 | 0.00K |
| Flash Flood | Apr 5, 2025 | 15.00K |
| Flash Flood | Apr 2, 2025 | 5.00K (1 deaths) |
| Flash Flood | Jul 21, 2023 | 50.00K |
| Flash Flood | Feb 16, 2023 | 20.00K |
| Flash Flood | Mar 3, 2023 | 15.00K |
| Flash Flood | Apr 13, 2022 | 0.00K |
| Flash Flood | Jan 9, 2022 | 0.00K |
| Flash Flood | Mar 27, 2021 | 0.00K |
Flash Flood — Jun 19, 2025
A very warm, moist, and unstable airmass was in place across the Mid-South ahead of an approaching cold front. Dewpoints ranged from 75 to 80 degrees across the area. As the cold front sagged south, an upper-level disturbance pushed into the region, causing an increase in shear. Convection developed along an old outflow boundary during the late afternoon and evening hours on June 18, 2025. Addi...
Flash Flood — Apr 5, 2025
The front eventually sagged south back into the Mid-South during the early morning hours of April 5th. Strong low-level moisture transport into the frontal zone resulted in heavy rain and training storms across northern sections of the Mid-South, mainly north of I-40. A bow echo developed along and just south of the slowly advancing front. This feature crossed the entire forecast area producing...
Flash Flood — Apr 2, 2025
A significant multi-hazard, multi-day event occurred across the Mid-South from April 2, 2025, to April 8, 2025, producing 35 tornadoes, record flooding, and numerous reports of damaging winds and large hail. A large upper-level trough covered the Western U.S. in early April. A significant piece of energy rotated around the base of the trough and ejected into the Southern Plains and the Middle-...
Flash Flood — Jul 21, 2023
A residual boundary left over from pre-dawn storms was located near the Tennessee/Mississippi state line during the morning hours of July 21, 2023. By early afternoon a progressive mid-level trough moved into the region on northwest flow aloft. Along and south of the boundary the airmass became strongly unstable with mixed-layer convective available potential energy values over 4000 J/kg and do...
Flash Flood — Feb 16, 2023
A warm front lifted north of the area and warm, moist, and unstable air flowed into the Mid-South during the morning hours of February 16, 2023. A strong upper-level jet streak across the Great Lakes produced ascent across the Mid-South resulting in showers and thunderstorms with heavy rainfall and flash flooding across West Tennessee. Later in the day as the cold front approached, thunderstor...
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 Tipton 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 Tipton 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.