Flood insurance claims in Grainger County, Tennessee

FEMA records 3 National Flood Insurance Program claims in Grainger County, Tennessee, since 2019, with $40,765 paid in total. There was 1 claim in each of 2019, 2020 and 2026. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 12.9% of homes in the high-risk flood zone did.

NFIP claims on record3

Total paid$40,765

Claims with a payment3

Homes with NFIP policy0.1%

High-risk zone homes insured12.9%

Residential policies in force15

Claims by year of loss

NFIP claims by year of loss, Grainger County, Tennessee

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
37888	2
37861	1

2 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $40,765, contents $0, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	70	9	12.9%
All homes	12,711	15	0.1%

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.