Flood history / Tennessee
Tennessee
flood claim history.
Across the 44 Tennessee ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $315.5M on 10,615 claims between 1978 and 2026. ZIP 37412 in Hamilton County carries the most at 707, 6.7% of the state total shown here.
The events driving the most paid claims across these ZIPs are Late spring storms (3,550 claims), Heavy rains (356 claims) and Central U.S. April Flooding (113 claims).
26.7% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every Tennessee ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 37412 | Hamilton County | 707 | $13.5M | 2009 152 |
| 37211 | Davidson County | 682 | $22.2M | 2010 182 |
| 37027 | Williamson County | 464 | $14.4M | 2010 174 |
| 37215 | Davidson County | 408 | $7.2M | 2010 126 |
| 37204 | Davidson County | 403 | $10.7M | 2010 137 |
| 37214 | Davidson County | 366 | $14.5M | 2010 255 |
| 37064 | Williamson County | 341 | $9.8M | 2010 166 |
| 37075 | Sumner County | 341 | $5.5M | 2010 183 |
| 37207 | Davidson County | 335 | $15.0M | 2010 140 |
| 37015 | Cheatham County | 294 | $16.8M | 2010 122 |
| 38063 | Lauderdale County | 280 | $4.1M | 2011 53 |
| 37138 | Davidson County | 271 | $12.4M | 2010 251 |
| 37209 | Davidson County | 255 | $11.1M | 2010 164 |
| 37087 | Wilson County | 254 | $5.4M | 2010 123 |
| 37122 | Wilson County | 250 | $4.6M | 2010 80 |
| 37205 | Davidson County | 247 | $7.8M | 2010 108 |
| 37115 | Davidson County | 239 | $10.4M | 2010 117 |
| 37185 | Humphreys County | 230 | $15.6M | 2021 105 |
| 37069 | Williamson County | 229 | $6.1M | 2021 76 |
| 37066 | Sumner County | 224 | $5.8M | 2010 127 |
| 37863 | Sevier County | 222 | $2.2M | 2003 36 |
| 37421 | Hamilton County | 216 | $4.4M | 2003 37 |
| 37013 | Davidson County | 208 | $5.4M | 2010 123 |
| 37218 | Davidson County | 207 | $7.7M | 2010 104 |
| 37030 | Smith County | 200 | $4.3M | 2010 52 |
| 37221 | Davidson County | 200 | $13.1M | 2010 136 |
| 37072 | Davidson County | 178 | $2.6M | 2010 73 |
| 37643 | Carter County | 164 | $2.9M | 1998 55 |
| 38024 | Dyer County | 162 | $3.6M | 2010 75 |
| 38053 | Shelby County | 162 | $6.9M | 2010 66 |
| 38401 | Maury County | 153 | $2.0M | 2010 30 |
| 37918 | Knox County | 152 | $1.9M | 2011 25 |
| 37216 | Davidson County | 151 | $7.4M | 2010 114 |
| 37415 | Hamilton County | 147 | $1.9M | 1996 44 |
| 37343 | Hamilton County | 146 | $1.3M | 2003 34 |
| 37210 | Davidson County | 145 | $16.3M | 2010 59 |
| 37217 | Davidson County | 141 | $5.7M | 2010 78 |
| 37917 | Knox County | 134 | $944K | 2011 26 |
| 37167 | Rutherford County | 133 | $1.8M | 2010 81 |
| 37312 | Bradley County | 128 | $1.5M | 2011 23 |
| 37411 | Hamilton County | 121 | $931K | 1980 44 |
| 37042 | Montgomery County | 110 | $3.4M | 2025 28 |
| 37076 | Davidson County | 110 | $2.4M | 2010 24 |
| 38301 | Madison County | 105 | $2.0M | 2010 23 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.