Flood Claims Map

Tennessee

Flood insurance claims in Rutherford County, Tennessee

FEMA records 453 National Flood Insurance Program claims in Rutherford County, Tennessee, since 1978, with $7.1 million paid in total. The year with the most claims was 2010, with 179. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 35.3% of homes in the high-risk flood zone did.

NFIP claims on record453
Total paid$7.1 million
Claims with a payment348
Homes with NFIP policy1.1%
High-risk zone homes insured35.3%
Residential policies in force1,067

Claims by year of loss

1978: 119781979: 81980: 51981: 01982: 719821983: 01984: 61985: 01986: 1119861987: 01988: 01989: 71990: 419901991: 41992: 11993: 01994: 419941995: 51996: 41997: 61998: 019981999: 102000: 32001: 12002: 720022003: 422004: 92005: 12006: 420062007: 12008: 02009: 92010: 17920102011: 52012: 12013: 322014: 220142015: 12016: 02017: 102018: 420182019: 42020: 172021: 162022: 520222023: 22024: 132025: 12026: 12026179

NFIP claims by year of loss, Rutherford County, Tennessee

1978: $10519781979: $17,2681980: $4,1351981: $01982: $25,42219821983: $01984: $3,3301985: $01986: $162,13619861987: $01988: $01989: $37,6671990: $114,26819901991: $23,2511992: $2,8831993: $01994: $257,36819941995: $23,8661996: $3,1321997: $5,9681998: $019981999: $281,0702000: $16,5912001: $2,3902002: $75,87520022003: $859,7152004: $63,4562005: $1,8982006: $28,93020062007: $7,3772008: $02009: $106,5222010: $2.9 million20102011: $15,8942012: $02013: $212,9132014: $020142015: $2,1742016: $02017: $41,3702018: $10,92720182019: $21,7632020: $722,3282021: $289,5002022: $98,81220222023: $16,6842024: $607,5762025: $02026: $02026$2.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Late spring storms175
Heavy rains22
Flooding5
Mid-spring storms4

ZIP codes with the most claims

ZIP code (as reported)Claims
37167133
3712999
3708681
3713069
3703718
3712815
3715315
3706010
371273
371222

223 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.0 million, contents $1.1 million, increased cost of compliance $45,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,00970935.3%
All homes98,4531,0671.1%

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.