Flood insurance claims in DeKalb County, Tennessee

FEMA records 17 National Flood Insurance Program claims in DeKalb County, Tennessee, since 2002, with $161,148 paid in total. The most claims in one year was 4, in 2017 and 2021. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 13.0% of homes in the high-risk flood zone did.

NFIP claims on record17

Total paid$161,148

Claims with a payment13

Homes with NFIP policy0.3%

High-risk zone homes insured13.0%

Residential policies in force33

Claims by year of loss

NFIP claims by year of loss, DeKalb County, Tennessee

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

Named flood events with the most claims

Event (FEMA name)	Claims
Late spring storms	2
Mid-spring storms	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
37059	15
37012	1
37095	1

15 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $149,338, contents $11,810, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	200	26	13.0%
All homes	9,826	33	0.3%

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.