Flood Claims Map

Tennessee

Flood insurance claims in Macon County, Tennessee

FEMA records 20 National Flood Insurance Program claims in Macon County, Tennessee, since 2002, with $221,848 paid in total. The year with the most claims was 2010, with 14. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 5.9% of homes in the high-risk flood zone did.

NFIP claims on record20
Total paid$221,848
Claims with a payment17
Homes with NFIP policy0.1%
High-risk zone homes insured5.9%
Residential policies in force14

Claims by year of loss

2002: 220022003: 02004: 020042005: 02006: 020062007: 02008: 020082009: 02010: 1420102011: 12012: 020122013: 02014: 020142015: 12016: 120162017: 02018: 020182019: 02020: 020202021: 02022: 1202214

NFIP claims by year of loss, Macon County, Tennessee

2002: $7,31920022003: $02004: $020042005: $02006: $020062007: $02008: $020082009: $02010: $188,74820102011: $02012: $020122013: $02014: $020142015: $13,2002016: $4,59620162017: $02018: $020182019: $02020: $020202021: $02022: $7,9852022$188,748

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

Named flood events with the most claims

Event (FEMA name)Claims
Late spring storms13

ZIP codes with the most claims

ZIP code (as reported)Claims
3715013
370743
371862
370831
370571

17 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $176,949, contents $15,888, increased cost of compliance $29,011.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone185115.9%
All homes10,565140.1%

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

  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.