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Flood risk in Tennessee

FEMA NFIP historical claims and active policies aggregated by county. Pick a county to see total paid, average claim amount, and active policy count.

Counties with claims
89
of 93 reporting
Total NFIP claims
5,225
Total claims paid
$173,600,657
Active policies
3,422

Highest flood risk counties

Claims per 1,000 housing units. Higher means a larger share of homes have a documented claim on file.

  1. 1.Humphreys County19.06 / 1k
  2. 2.Perry County17.94 / 1k
  3. 3.Cheatham County10.82 / 1k
  4. 4.Decatur County10.31 / 1k
  5. 5.Dyer County8.20 / 1k
  6. 6.Smith County6.65 / 1k
  7. 7.Davidson County6.07 / 1k
  8. 8.Hardin County5.41 / 1k
  9. 9.Haywood County4.72 / 1k
  10. 10.Wayne County4.35 / 1k

Lowest flood risk counties

Claims per 1,000 housing units, restricted to counties of at least 25,000 residents.

  1. 1.Cumberland County0.07 / 1k
  2. 2.Roane County0.09 / 1k
  3. 3.McMinn County0.09 / 1k
  4. 4.Jefferson County0.14 / 1k
  5. 5.Weakley County0.15 / 1k
  6. 6.Lawrence County0.18 / 1k
  7. 7.White County0.19 / 1k
  8. 8.Greene County0.22 / 1k
  9. 9.Hardeman County0.22 / 1k
  10. 10.Hamblen County0.24 / 1k

Counties by historical claims

Sorted by total claims, highest first. Historical totals do not capture uninsured properties or future climate shifts.

How to read this

Historical claims show where NFIP-insured properties have actually filed. They under-count uninsured properties and don't forecast future risk from climate, upstream development, or new mitigation projects. For parcel-specific flood-zone designations, use FEMA's Map Service Center.

Open FEMA Map Service CenterTennessee cost overview

Data sources

Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.