Flood Claims Map

Tennessee

Flood insurance claims in Hardin County, Tennessee

FEMA records 209 National Flood Insurance Program claims in Hardin County, Tennessee, since 1980, with $3.9 million paid in total. The year with the most claims was 2019, with 68. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 13.0% of homes in the high-risk flood zone did.

NFIP claims on record209
Total paid$3.9 million
Claims with a payment181
Homes with NFIP policy1.0%
High-risk zone homes insured13.0%
Residential policies in force152

Claims by year of loss

1980: 919801981: 01982: 01983: 31984: 719841985: 01986: 01987: 01988: 019881989: 01990: 241991: 231992: 119921993: 01994: 21995: 01996: 019961997: 01998: 01999: 02000: 020002001: 02002: 22003: 142004: 2620042005: 12006: 02007: 02008: 020082009: 02010: 22011: 12012: 120122013: 22014: 02015: 22016: 020162017: 02018: 22019: 682020: 1520202021: 32022: 02023: 02024: 020242025: 168

NFIP claims by year of loss, Hardin County, Tennessee

1980: $32,45419801981: $01982: $01983: $33,3221984: $82,80219841985: $01986: $01987: $01988: $019881989: $01990: $268,3741991: $120,2061992: $54219921993: $01994: $36,6911995: $01996: $019961997: $01998: $01999: $02000: $020002001: $02002: $2,9512003: $303,0382004: $491,01420042005: $25,6002006: $02007: $02008: $020082009: $02010: $2,5082011: $4422012: $020122013: $02014: $02015: $02016: $020162017: $02018: $8,9872019: $2.1 million2020: $186,10120202021: $135,4352022: $02023: $02024: $020242025: $6,376$2.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding13
Heavy rains9
Early winter storms2
Central U.S. April Flooding1
Mid-spring storms1
Late spring storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
3837264
3837045
3832740
3832623
3836117
384256
383103
384752

159 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.3 million, contents $538,520, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,10814413.0%
All homes14,7361521.0%

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.