Flood insurance claims in Smith County, Tennessee

FEMA records 283 National Flood Insurance Program claims in Smith County, Tennessee, since 1978, with $5.5 million paid in total. The year with the most claims was 2010, with 67. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 20.4% of homes in the high-risk flood zone did.

NFIP claims on record283

Total paid$5.5 million

Claims with a payment222

Homes with NFIP policy1.1%

High-risk zone homes insured20.4%

Residential policies in force96

Claims by year of loss

NFIP claims by year of loss, Smith County, Tennessee

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

Named flood events with the most claims

Event (FEMA name)	Claims
Late spring storms	64
Heavy rains	5
Flooding	4

ZIP codes with the most claims

ZIP code (as reported)	Claims
37030	199
37145	23
37184	17
38563	14
37087	8
38560	3
38547	3
37039	3
37057	2
38567	1

179 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.7 million, contents $1.7 million, increased cost of compliance $48,307.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	392	80	20.4%
All homes	8,806	96	1.1%

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

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.