26 flood insurance claims·$272,669 paid·1 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 Trousdale 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 events dominates the flood character of Trousdale County, accounting for 17 of the 20 recorded flood events over the last 30 years alongside 3 general flood events. Recent regional activity includes a major severe weather and flooding event in February 2025 driven by well-above-average moisture and heavy rainfall, as well as a historic multi-day severe weather event in April 2025 that produced thunderstorms, damaging winds, large hail, and flash flooding. Earlier recorded events, such as a system in March 2018, brought rainfall totals ranging from 1 to nearly 5 inches with accompanying flash flooding.
National Flood Insurance Program claims data indicates that property owners across multiple zones have experienced flood losses. Zone A recorded 10 claims with an average payout of $13,327 and an average recorded water depth of 9 inches. Zone X accounts for 7 claims with an average payout of $12,039 and an average recorded water depth of 0 inches, including 5 claims in shaded areas averaging a $17,445 payout and an average recorded water depth of 45 inches, and 4 claims in unshaded areas averaging an $8,060 payout and an average recorded water depth of 1 inch. Homeowners in Zone A and shaded Zone X areas—where higher average water depths and payouts were recorded—should pay the most attention to flood risk.
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 17 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 2010, with 11 claims and $163,531 paid, the year of Severe Storms, Flooding, Straight-line Winds, and Tornadoes.
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.
6 NOAA storm reports from Trousdale County describe what happened, in the words of the forecasters who covered it. Read the Tennessee flood stories →
13 federal disaster declarations since 1974, 1 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, Flooding, Straight-line Winds, And Tornadoes | Apr 30, 2010 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Feb 5, 2008 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Severe Storms, Tornadoes, And Flooding | May 4, 2003 |
| Severe Winter Ice Storm,flash Flooding | Feb 9, 1994 |
| Severe Snowfall, Winter Storm | Mar 13, 1993 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
20 since 1996: 17 flash floods and 3 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Feb 16, 2025 | — |
| Flash Flood | Apr 5, 2025 | — |
| Flash Flood | Apr 3, 2025 | — |
| Flash Flood | Mar 29, 2018 | $5,000 |
| Flash Flood | Aug 17, 2018 | $10,000 |
| Flash Flood | Oct 2, 2018 | — |
| Flash Flood | May 11, 2016 | $2.0M |
| Flash Flood | Jul 7, 2016 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash 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 · 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…
Flash Flood · Mar 29, 2018. Moderate to heavy rain spread across Middle Tennessee during the late evening hours on March 28 and continue into the morning hours on March 29. Rainfall totals ranged from around 1 inch up to nearly 5 inches, with a few reports of flash flooding.
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 Trousdale 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.