Flood insurance claims in Fayette County, Tennessee

FEMA records 26 National Flood Insurance Program claims in Fayette County, Tennessee, since 1984, with $830,131 paid in total. The most claims in one year was 3, in 2010 and 2011. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 25.8% of homes in the high-risk flood zone did.

NFIP claims on record26

Total paid$830,131

Claims with a payment20

Homes with NFIP policy0.4%

High-risk zone homes insured25.8%

Residential policies in force75

Claims by year of loss

NFIP claims by year of loss, Fayette County, Tennessee

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

Named flood events with the most claims

Event (FEMA name)	Claims
Late spring storms	3
Mid-spring storms	3
Flooding	2
Late winter severe storms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
38066	11
38060	8
38028	3
38057	3
38002	1

11 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $673,445, contents $156,686, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	89	23	25.8%
All homes	18,319	75	0.4%

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.