Flood insurance claims in Blount County, Tennessee

FEMA records 60 National Flood Insurance Program claims in Blount County, Tennessee, since 1981, with $1.3 million paid in total. The year with the most claims was 2020, with 15. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 23.0% of homes in the high-risk flood zone did.

NFIP claims on record60

Total paid$1.3 million

Claims with a payment43

Homes with NFIP policy0.5%

High-risk zone homes insured23.0%

Residential policies in force251

Claims by year of loss

NFIP claims by year of loss, Blount County, Tennessee

Paid on claims by year of loss (building, contents and increased cost of compliance), Blount County, Tennessee

Named flood events with the most claims

Event (FEMA name)	Claims
Heavy rains	6

ZIP codes with the most claims

ZIP code (as reported)	Claims
37804	15
37701	13
37886	11
37882	7
37803	7
37777	3
37801	2
37865	1
37737	1

40 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $553,832, contents $702,111, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	679	156	23.0%
All homes	55,045	251	0.5%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.