Enter any address in Warren County, Tennessee to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Warren County. Between 1993 and 2023, NOAA Storm Events data recorded 20 flash flood events and 3 general flood events. Recent examples include flash flooding on March 9, 2019, and February 23, 2019, both associated with prolonged periods of heavy rainfall across Middle Tennessee.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $10,487 and an average water depth of 2.9 feet. Properties in Zone X_Shaded have also seen claims, averaging $5,711 with 0.8 feet of water depth, while Zone X claims averaged $4,431 with 0.1 feet of water depth. Homeowners in Zone A, and those in lower-lying areas or near waterways, should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
5 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Warren County, Tennessee has recorded 23 flood-related events since 1996 according to NOAA's Storm Events Database, including 20 flash floods and 3 river or area floods. The county has received 22 federal disaster declarations, 4 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, Tornadoes, And Flooding | Severe Storm | May 8, 2024 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Flooding, Landslides, And Mudslides | Flood | Feb 19, 2019 |
| Severe Winter Storm And Flooding | Severe Ice Storm | Feb 15, 2015 |
| Severe Storms And Tornadoes | Severe Storm | Apr 2, 2006 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 4, 2003 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Feb 23, 2019 | 0.00K |
| Flash Flood | Feb 20, 2019 | 541.18K |
| Flash Flood | Mar 9, 2019 | 0.00K |
| Flood | Nov 28, 2011 | 1.00K |
| Flash Flood | Apr 27, 2011 | 1.00K |
| Flash Flood | Jul 4, 2011 | 1.00K |
| Flash Flood | Jan 24, 2010 | 50.00K |
| Flash Flood | May 15, 2010 | 5.00K |
| Flash Flood | Jun 6, 2005 | 1K |
| Flash Flood | Nov 30, 2004 | 1K |
Flash Flood — Feb 23, 2019
A stationary frontal boundary stalled near the Tennessee Valley for nearly a week in mid to late February 2019. Persistent southwest flow aloft brought copious amounts of Gulf of Mexico moisture northward and interacted with this boundary for many days, causing a prolonged period of heavy rain and flooding throughout Middle Tennessee from Tuesday, February 19 through early Sunday, February 24. ...
Flash Flood — Feb 20, 2019
After an already very wet month, additional heavy rainfall and thunderstorms moved into Middle Tennessee from Tuesday February 19 into Wednesday February 20. With the airmass being initially cold and dry, the rainfall briefly fell as a mix of rain and sleet across southern Middle Tennessee, although no measurable sleet accumulation was reported. Considerable cloud to ground positive lightning a...
Flash Flood — Mar 9, 2019
A line of scattered showers and thunderstorms moved across Middle Tennessee during the afternoon and evening hours on March 9. One supercell thunderstorm produced wind damage across southern Wayne and Lawrence Counties, while another supercell caused wind damage in Grundy County. Farther to the north, a QLCS caused wind damage in Rutherford and Cannon Counties. Strong southerly gradient winds a...
Flood — Nov 28, 2011
As an usually strong upper level low pressure system moved across Middle Tennessee, on Sunday, November 27th and Monday, November 28th, it produced periods of rainfall. This rainfall resulted in several roads across Rutherford County being closed on Sunday and early Monday morning. Enough rainfall also occurred by Monday, November 28th to result in flooding damage across five counties in the Cu...
Flash Flood — Apr 27, 2011
During the early morning hours on Wednesday, April 27th, twelve tornadoes occurred across Middle Tennessee. Seven of these were EF0 tornadoes and five of these were EF1 tornadoes. Numerous thunderstorm wind damage events, along with several flash flooding events, occurred across the mid state also. This severe weather outbreak was the result of a very unstable airmass across Middle Tennessee ah...
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 Warren 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 Warren 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.