Flood Claims Map

Tennessee

Flood insurance claims in Shelby County, Tennessee

FEMA records 1,019 National Flood Insurance Program claims in Shelby County, Tennessee, since 1978, with $25.1 million paid in total. The year with the most claims was 2010, with 121. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 17.9% of homes in the high-risk flood zone did.

NFIP claims on record1,019
Total paid$25.1 million
Claims with a payment781
Homes with NFIP policy0.7%
High-risk zone homes insured17.9%
Residential policies in force1,978

Claims by year of loss

1978: 1819781979: 1011980: 351981: 71982: 2719821983: 201984: 141985: 61986: 319861987: 521988: 181989: 51990: 719901991: 51992: 31993: 31994: 119941995: 41996: 361997: 111998: 119981999: 52000: 02001: 502002: 1620022003: 102004: 142005: 82006: 220062007: 02008: 92009: 362010: 12120102011: 742012: 92013: 222014: 11920142015: 102016: 202017: 62018: 1220182019: 382020: 62021: 92022: 320222023: 132024: 32025: 222026: 52026121

NFIP claims by year of loss, Shelby County, Tennessee

1978: $34,26019781979: $475,3391980: $71,5771981: $3,6061982: $71,19519821983: $65,6161984: $12,2561985: $01986: $18,03619861987: $655,3561988: $47,5651989: $12,2111990: $6,41819901991: $69,4881992: $2,8811993: $12,5091994: $73519941995: $10,1481996: $412,2901997: $138,7001998: $1,83719981999: $13,7852000: $02001: $475,8882002: $189,00620022003: $162,8802004: $186,2332005: $154,6592006: $020062007: $02008: $202,9472009: $1.1 million2010: $7.2 million20102011: $2.5 million2012: $44,1542013: $1.4 million2014: $3.8 million20142015: $29,8612016: $382,5802017: $47,8542018: $180,40120182019: $2.6 million2020: $76,7682021: $238,9612022: $28,92320222023: $1.3 million2024: $176,6102025: $357,2562026: $186,5572026$7.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Late spring storms116
Mid-spring storms59
Flooding50
Central U.S. April Flooding20
Late winter severe storms2
Heavy rains1

ZIP codes with the most claims

ZIP code (as reported)Claims
38053151
3813490
3812762
3812860
3813853
3811945
3812045
3810443
3800240
3813336

335 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $21.1 million, contents $3.9 million, increased cost of compliance $11,065.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,03654317.9%
All homes303,3141,9780.7%

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.