Flood insurance claims in Lauderdale County, Tennessee

FEMA records 323 National Flood Insurance Program claims in Lauderdale County, Tennessee, since 1978, with $4.6 million paid in total. The year with the most claims was 2011, with 58. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 13.9% of homes in the high-risk flood zone did.

NFIP claims on record323

Total paid$4.6 million

Claims with a payment275

Homes with NFIP policy0.7%

High-risk zone homes insured13.9%

Residential policies in force67

Claims by year of loss

NFIP claims by year of loss, Lauderdale County, Tennessee

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

Named flood events with the most claims

Event (FEMA name)	Claims
Mid-spring storms	52
Flooding	15
Late spring storms	2
Central U.S. April Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
38063	277
38041	26
38040	10
38037	1

219 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.0 million, contents $561,596, increased cost of compliance $30,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	417	58	13.9%
All homes	9,819	67	0.7%

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.