Flood Claims Map

Tennessee

Flood insurance claims in Polk County, Tennessee

FEMA records 43 National Flood Insurance Program claims in Polk County, Tennessee, since 1994, with $637,564 paid in total. The year with the most claims was 2003, with 15. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 25.0% of homes in the high-risk flood zone did.

NFIP claims on record43
Total paid$637,564
Claims with a payment37
Homes with NFIP policy0.6%
High-risk zone homes insured25.0%
Residential policies in force56

Claims by year of loss

1994: 319941995: 71996: 019961997: 01998: 019981999: 02000: 020002001: 02002: 020022003: 152004: 620042005: 02006: 020062007: 02008: 020082009: 02010: 020102011: 02012: 020122013: 52014: 020142015: 22016: 020162017: 02018: 020182019: 02020: 5202015

NFIP claims by year of loss, Polk County, Tennessee

1994: $64,70419941995: $68,8611996: $019961997: $01998: $019981999: $02000: $020002001: $02002: $020022003: $222,1912004: $81,64620042005: $02006: $020062007: $02008: $020082009: $02010: $020102011: $02012: $020122013: $50,2972014: $020142015: $34,5072016: $020162017: $02018: $020182019: $02020: $115,3582020$222,191

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

Named flood events with the most claims

Event (FEMA name)Claims
Heavy rains15
Early winter storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
3736121
3730715
373174
373251
373631
373091

36 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $538,177, contents $99,387, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1924825.0%
All homes9,136560.6%

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.