Flood Claims Map

Tennessee

Flood insurance claims in Decatur County, Tennessee

FEMA records 111 National Flood Insurance Program claims in Decatur County, Tennessee, since 2003, with $1.8 million paid in total. The year with the most claims was 2019, with 80. As of 3 August 2026, 1.9% of homes here had an NFIP policy, and 17.2% of homes in the high-risk flood zone did.

NFIP claims on record111
Total paid$1.8 million
Claims with a payment95
Homes with NFIP policy1.9%
High-risk zone homes insured17.2%
Residential policies in force139

Claims by year of loss

2003: 720032004: 620042005: 020052006: 020062007: 020072008: 120082009: 020092010: 020102011: 320112012: 020122013: 020132014: 020142015: 020152016: 020162017: 020172018: 020182019: 8020192020: 14202080

NFIP claims by year of loss, Decatur County, Tennessee

2003: $80,50020032004: $85,63120042005: $020052006: $020062007: $020072008: $020082009: $020092010: $020102011: $4,00620112012: $020122013: $020132014: $020142015: $020152016: $020162017: $020172018: $020182019: $1.5 million20192020: $67,8532020$1.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Heavy rains7
Mid-spring storms3

ZIP codes with the most claims

ZIP code (as reported)Claims
3832967
3831142
383511
383631

104 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.6 million, contents $124,347, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone78713517.2%
All homes7,2091391.9%

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.