Flood Claims Map

Tennessee

Flood insurance claims in Davidson County, Tennessee

FEMA records 4,787 National Flood Insurance Program claims in Davidson County, Tennessee, since 1978, with $186.4 million paid in total. The year with the most claims was 2010, with 2,315. As of 3 August 2026, 1.7% of homes here had an NFIP policy, and 56.8% of homes in the high-risk flood zone did.

NFIP claims on record4,787
Total paid$186.4 million
Claims with a payment3,994
Homes with NFIP policy1.7%
High-risk zone homes insured56.8%
Residential policies in force3,818

Claims by year of loss

1978: 4019781979: 1841980: 241981: 81982: 919821983: 331984: 1011985: 21986: 2619861987: 71988: 11989: 1051990: 1019901991: 151992: 151993: 381994: 8419941995: 461996: 111997: 221998: 12919981999: 102000: 262001: 82002: 4120022003: 822004: 322005: 22006: 720062007: 12008: 72009: 722010: 2,31520102011: 152012: 262013: 1952014: 820142015: 102016: 222017: 2142018: 2020182019: 1002020: 172021: 4932022: 1020222023: 32024: 122025: 1132026: 1620262,315

NFIP claims by year of loss, Davidson County, Tennessee

1978: $62,32319781979: $689,3261980: $47,0771981: $3,6901982: $21,70819821983: $51,4201984: $666,8351985: $6461986: $55,36119861987: $20,0771988: $01989: $380,9091990: $30,49419901991: $32,0781992: $74,0191993: $270,8991994: $522,44819941995: $304,7031996: $48,9841997: $306,2401998: $1.2 million19981999: $17,7902000: $389,1332001: $74,5552002: $352,42020022003: $1.0 million2004: $297,8352005: $02006: $37,05220062007: $02008: $23,1502009: $679,6332010: $136.7 million20102011: $15,5412012: $91,5042013: $5.2 million2014: $6,18020142015: $36,1122016: $213,6582017: $5.8 million2018: $111,18020182019: $2.3 million2020: $264,9112021: $23.2 million2022: $111,81820222023: $60,8702024: $116,0422025: $4.3 million2026: $160,1802026$136.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Late spring storms2,281
Central U.S. April Flooding106
Heavy rains52
Flooding16
Hurricane Ida5
Mid-spring storms4

ZIP codes with the most claims

ZIP code (as reported)Claims
37211682
37215405
37204403
37214366
37207335
37138261
37209249
37205247
37115239
37013208

3,427 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $152.1 million, contents $32.6 million, increased cost of compliance $1.7 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,4051,93456.8%
All homes222,2143,8181.7%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.