Flood Claims Map

Tennessee

Flood insurance claims in Sumner County, Tennessee

FEMA records 706 National Flood Insurance Program claims in Sumner County, Tennessee, since 1978, with $14.4 million paid in total. The year with the most claims was 2010, with 361. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 35.4% of homes in the high-risk flood zone did.

NFIP claims on record706
Total paid$14.4 million
Claims with a payment551
Homes with NFIP policy0.9%
High-risk zone homes insured35.4%
Residential policies in force598

Claims by year of loss

1978: 919781979: 21980: 11981: 31982: 019821983: 71984: 91985: 01986: 019861987: 01988: 11989: 51990: 019901991: 01992: 01993: 21994: 619941995: 11996: 21997: 41998: 819981999: 12000: 12001: 12002: 320022003: 22004: 02005: 12006: 620062007: 22008: 22009: 532010: 36120102011: 52012: 42013: 212014: 120142015: 32016: 492017: 262018: 220182019: 292020: 82021: 72022: 120222023: 22024: 492025: 42026: 22026361

NFIP claims by year of loss, Sumner County, Tennessee

1978: $16,84319781979: $5751980: $1,7091981: $01982: $019821983: $01984: $115,2401985: $01986: $019861987: $01988: $01989: $48,7261990: $019901991: $01992: $01993: $1,4461994: $15,07319941995: $01996: $2,2161997: $59,8091998: $17,07619981999: $1,3842000: $02001: $2,5852002: $6,35120022003: $7,0162004: $02005: $1,8282006: $154,30320062007: $34,7112008: $7,3512009: $385,6112010: $8.8 million20102011: $14,8722012: $16,1222013: $259,7962014: $020142015: $1,5452016: $1.2 million2017: $564,5922018: $21,62320182019: $742,7062020: $143,3912021: $87,7972022: $5,06220222023: $13,9542024: $1.5 million2025: $51,5302026: $14,8292026$8.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Late spring storms326
Flooding4
Central U.S. April Flooding3
Mid-spring storms1
Tennessee Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
37075341
37066224
3707258
3714821
3704820
3703119
3702219
371882
374181
370701

369 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $11.5 million, contents $2.8 million, increased cost of compliance $72,013.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone82729335.4%
All homes65,2825980.9%

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

  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.