Flood insurance claims in Sevier County, Tennessee

FEMA records 350 National Flood Insurance Program claims in Sevier County, Tennessee, since 1978, with $4.1 million paid in total. The year with the most claims was 1994, with 72. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 21.4% of homes in the high-risk flood zone did.

NFIP claims on record350

Total paid$4.1 million

Claims with a payment273

Homes with NFIP policy0.9%

High-risk zone homes insured21.4%

Residential policies in force426

Claims by year of loss

NFIP claims by year of loss, Sevier County, Tennessee

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

Named flood events with the most claims

Event (FEMA name)	Claims
Heavy rains	41
Tennessee Flash Flooding	5
Hurricane Helene	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
37863	223
37738	81
37862	22
37876	16
37722	1
37764	1

225 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.3 million, contents $837,034, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,600	343	21.4%
All homes	46,628	426	0.9%

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

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.