Flood Claims Map

Tennessee

Flood insurance claims in Franklin County, Tennessee

FEMA records 32 National Flood Insurance Program claims in Franklin County, Tennessee, since 1979, with $223,240 paid in total. The year with the most claims was 2019, with 4. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 11.7% of homes in the high-risk flood zone did.

NFIP claims on record32
Total paid$223,240
Claims with a payment24
Homes with NFIP policy0.3%
High-risk zone homes insured11.7%
Residential policies in force58

Claims by year of loss

1979: 119791980: 01981: 01982: 01983: 019831984: 01985: 01986: 01987: 019871988: 01989: 01990: 11991: 019911992: 01993: 11994: 31995: 219951996: 01997: 21998: 21999: 019992000: 02001: 02002: 02003: 120032004: 12005: 02006: 02007: 020072008: 22009: 02010: 12011: 220112012: 02013: 12014: 12015: 320152016: 02017: 22018: 02019: 420192020: 02021: 12022: 02023: 020232024: 02025: 02026: 14

NFIP claims by year of loss, Franklin County, Tennessee

1979: $39,86719791980: $01981: $01982: $01983: $019831984: $01985: $01986: $01987: $019871988: $01989: $01990: $21,3001991: $019911992: $01993: $2,6981994: $3,2701995: $2,62819951996: $01997: $1,0861998: $6331999: $019992000: $02001: $02002: $02003: $46,49620032004: $12,2462005: $02006: $02007: $020072008: $12,8152009: $02010: $8,9682011: $3,37020112012: $02013: $7,9452014: $02015: $1,64120152016: $02017: $13,0622018: $02019: $41,97620192020: $02021: $3,2382022: $02023: $020232024: $02025: $02026: $0$46,496

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

Named flood events with the most claims

Event (FEMA name)Claims
Mid-spring storms2
Heavy rains1
Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
373987
373887
373246
373184
373453
373753
373061
373301

16 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $202,799, contents $20,440, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3514111.7%
All homes20,452580.3%

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

  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.