Flood Claims Map

Tennessee

Flood insurance claims in Roane County, Tennessee

FEMA records 40 National Flood Insurance Program claims in Roane County, Tennessee, since 1978, with $522,092 paid in total. The year with the most claims was 1990, with 9. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 21.4% of homes in the high-risk flood zone did.

NFIP claims on record40
Total paid$522,092
Claims with a payment33
Homes with NFIP policy0.4%
High-risk zone homes insured21.4%
Residential policies in force99

Claims by year of loss

1978: 119781979: 01980: 01981: 01982: 019821983: 01984: 01985: 01986: 019861987: 01988: 01989: 01990: 919901991: 11992: 01993: 01994: 119941995: 01996: 01997: 01998: 319981999: 32000: 02001: 02002: 420022003: 42004: 12005: 02006: 020062007: 02008: 02009: 02010: 020102011: 22012: 12013: 12014: 120142015: 12016: 02017: 12018: 020182019: 32020: 22021: 02022: 020222023: 02024: 02025: 19

NFIP claims by year of loss, Roane County, Tennessee

1978: $21619781979: $01980: $01981: $01982: $019821983: $01984: $01985: $01986: $019861987: $01988: $01989: $01990: $279,64119901991: $10,5231992: $01993: $01994: $1,60819941995: $01996: $01997: $01998: $4,79019981999: $11,5422000: $02001: $02002: $13,60420022003: $60,9202004: $37,1772005: $02006: $020062007: $02008: $02009: $02010: $020102011: $9,5182012: $10,1082013: $02014: $020142015: $24,8832016: $02017: $17,5592018: $020182019: $17,8802020: $3,4482021: $02022: $020222023: $02024: $02025: $18,674$279,641

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding9
Early winter storms1
Mid-spring storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
3774813
3785413
377637
378404
378301
377711
377741

19 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $235,058, contents $287,034, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2625621.4%
All homes24,932990.4%

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.