Flood insurance claims in Humphreys County, Tennessee

FEMA records 235 National Flood Insurance Program claims in Humphreys County, Tennessee, since 1984, with $15.7 million paid in total. The year with the most claims was 2021, with 107. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 14.2% of homes in the high-risk flood zone did.

NFIP claims on record235

Total paid$15.7 million

Claims with a payment221

Homes with NFIP policy0.9%

High-risk zone homes insured14.2%

Residential policies in force81

Claims by year of loss

NFIP claims by year of loss, Humphreys County, Tennessee

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

Named flood events with the most claims

Event (FEMA name)	Claims
Tennessee Flooding	96
Late spring storms	72
Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
37185	230
37101	3
37134	2

207 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $14.2 million, contents $1.5 million, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	429	61	14.2%
All homes	9,301	81	0.9%

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.