Flood Claims Map

Tennessee

Flood insurance claims in Obion County, Tennessee

FEMA records 191 National Flood Insurance Program claims in Obion County, Tennessee, since 1978, with $3.9 million paid in total. The most claims in one year was 23, in 1984 and 2025. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 21.5% of homes in the high-risk flood zone did.

NFIP claims on record191
Total paid$3.9 million
Claims with a payment159
Homes with NFIP policy0.9%
High-risk zone homes insured21.5%
Residential policies in force130

Claims by year of loss

1978: 319781979: 11980: 01981: 11982: 019821983: 11984: 231985: 81986: 719861987: 01988: 11989: 01990: 419901991: 11992: 01993: 11994: 019941995: 01996: 61997: 221998: 719981999: 02000: 02001: 82002: 120022003: 32004: 12005: 02006: 1220062007: 02008: 22009: 22010: 320102011: 82012: 02013: 32014: 020142015: 82016: 32017: 02018: 220182019: 82020: 02021: 22022: 020222023: 132024: 12025: 232026: 2202623

NFIP claims by year of loss, Obion County, Tennessee

1978: $019781979: $24,0011980: $01981: $2,5111982: $019821983: $01984: $68,8361985: $56,4751986: $40,35419861987: $01988: $2,6981989: $01990: $37,83519901991: $7,1921992: $01993: $4,0701994: $019941995: $01996: $196,9281997: $276,7701998: $14,06819981999: $02000: $02001: $42,3052002: $20,22820022003: $10,0002004: $1,8042005: $02006: $315,49920062007: $02008: $31,2692009: $95,3102010: $133,74220102011: $90,0032012: $02013: $17,7302014: $020142015: $227,3882016: $30,1102017: $02018: $8,11420182019: $142,5812020: $02021: $11,6272022: $020222023: $1.1 million2024: $11,8632025: $936,3052026: $02026$1.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding23
Central U.S. April Flooding13
Mid-spring storms7
Late spring storms3
Late winter severe storms2
Heavy rains1

ZIP codes with the most claims

ZIP code (as reported)Claims
3826161
3825347
3825738
3824024
382338
382815
382325
420411

145 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.2 million, contents $753,165, increased cost of compliance $5,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone53011421.5%
All homes14,3601300.9%

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

  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.