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Flood insurance cost · TN

Flood insurance cost in Tennessee

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 17,107 home policies in force on August 31, 2026.

TennesseePolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,084a year

Half of insured homes paid between $734 and $1,416. That is about the same as the national median ($1,082). The most common flood zone for insured homes here is zone AE (49%).

$0$734 · $1,084 · $1,416$1,770
+10.4% vs Aug 31, 2025 (median $982)
17,107home policies in force
$1,248average cost (mean)
56%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Tennessee, county by county.

Cost by flood zone in Tennessee

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,232$873–$1,746$1,4718,365 (49%)+10.6%
Zone A
High risk		$1,310$845–$1,949$1,5751,264 (7%)+9.4%
Zone AO
High risk, shallow		$458$329–$738$53410 (0%)−16.3%
Zone X
Moderate to low risk		$896$603–$1,219$9457,468 (44%)+3.1%

Not shown (fewer than 10 home policies): VE, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Tennessee, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home15,609$1,086$1,252
2–4 unit building571$1,164$1,418
Manufactured (mobile) home295$1,243$1,536
Condo or apartment unit632$782$855
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		550$2,400$3,419
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		3,088$2,634$3,642
20,745NFIP policies in force, any building
22,219insured units (condo association policies count every unit)
69%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Tennessee

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force18,20217,107−6.0%
Median annual cost$982$1,084+10.4%
Average annual cost$1,147$1,248+8.8%
All policies in force (any building)22,18920,745−6.5%

Flood claims history

Since 1978, NFIP policyholders in Tennessee have filed 17,706 flood claims. 14,486 received a payment, for a total of $480.9 million (an average of $33,198 per paid claim). The year with the most claims was 2010 (4,724 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 173 claims, 122 paid, $377,499 in total1979: 572 claims, 441 paid, $2,247,341 in total1980: 248 claims, 177 paid, $653,876 in total19801981: 85 claims, 54 paid, $228,910 in total1982: 208 claims, 156 paid, $1,264,480 in total1983: 164 claims, 104 paid, $458,479 in total1984: 485 claims, 327 paid, $2,681,779 in total1985: 32 claims, 20 paid, $87,417 in total1986: 58 claims, 36 paid, $293,129 in total1987: 92 claims, 75 paid, $886,633 in total1988: 47 claims, 22 paid, $99,961 in total1989: 229 claims, 154 paid, $1,018,226 in total1990: 331 claims, 276 paid, $3,584,629 in total19901991: 136 claims, 112 paid, $699,544 in total1992: 47 claims, 35 paid, $165,478 in total1993: 83 claims, 59 paid, $429,788 in total1994: 564 claims, 441 paid, $4,402,932 in total1995: 212 claims, 168 paid, $1,380,460 in total1996: 164 claims, 132 paid, $1,506,672 in total1997: 276 claims, 232 paid, $2,930,747 in total1998: 524 claims, 420 paid, $5,190,739 in total1999: 108 claims, 80 paid, $990,200 in total2000: 121 claims, 94 paid, $1,138,434 in total20002001: 188 claims, 151 paid, $1,600,069 in total2002: 292 claims, 231 paid, $3,504,572 in total2003: 961 claims, 812 paid, $17,571,471 in total20032004: 336 claims, 295 paid, $4,832,602 in total2005: 33 claims, 22 paid, $277,473 in total2006: 49 claims, 39 paid, $759,736 in total2007: 17 claims2008: 56 claims, 38 paid, $549,219 in total2009: 535 claims, 441 paid, $10,503,607 in total2010: 4,724 claims, 4,218 paid, $232,995,519 in total201020102011: 570 claims, 448 paid, $11,381,924 in total2012: 148 claims, 101 paid, $2,975,909 in total2013: 548 claims, 434 paid, $11,708,555 in total2014: 198 claims, 151 paid, $5,168,060 in total2015: 139 claims, 93 paid, $1,631,038 in total2016: 185 claims, 142 paid, $3,447,669 in total2017: 414 claims, 315 paid, $9,057,816 in total2018: 137 claims, 101 paid, $2,239,642 in total2019: 773 claims, 655 paid, $20,956,641 in total2020: 383 claims, 317 paid, $8,966,234 in total20202021: 1,130 claims, 981 paid, $56,636,654 in total20212022: 69 claims, 50 paid, $1,132,163 in total2023: 81 claims, 66 paid, $3,560,138 in total2024: 345 claims, 290 paid, $19,741,335 in total2025: 371 claims, 312 paid, $15,975,539 in total2026: 65 claims, 38 paid, $926,056 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20266538$926,056$24,370
2025371312$15,975,539$51,204
2024345290$19,741,335$68,074
20238166$3,560,138$53,941
20226950$1,132,163$22,643
20211,130981$56,636,654$57,734
2020383317$8,966,234$28,285
2019773655$20,956,641$31,995
2018137101$2,239,642$22,175
2017414315$9,057,816$28,755
2016185142$3,447,669$24,279
201513993$1,631,038$17,538
2014198151$5,168,060$34,226
2013548434$11,708,555$26,978
2012148101$2,975,909$29,464
2011570448$11,381,924$25,406
20104,7244,218$232,995,519$55,238
2009535441$10,503,607$23,818
20085638$549,219$14,453
200717<10––
20064939$759,736$19,480
20053322$277,473$12,612
2004336295$4,832,602$16,382
2003961812$17,571,471$21,640
2002292231$3,504,572$15,171
2001188151$1,600,069$10,596
200012194$1,138,434$12,111
199910880$990,200$12,378
1998524420$5,190,739$12,359
1997276232$2,930,747$12,633
1996164132$1,506,672$11,414
1995212168$1,380,460$8,217
1994564441$4,402,932$9,984
19938359$429,788$7,285
19924735$165,478$4,728
1991136112$699,544$6,246
1990331276$3,584,629$12,988
1989229154$1,018,226$6,612
19884722$99,961$4,544
19879275$886,633$11,822
19865836$293,129$8,142
19853220$87,417$4,371
1984485327$2,681,779$8,201
1983164104$458,479$4,408
1982208156$1,264,480$8,106
19818554$228,910$4,239
1980248177$653,876$3,694
1979572441$2,247,341$5,096
1978173122$377,499$3,094

From 2016 to 2026: 3,953 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Tennessee

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Anderson County87$1,165
Bedford County36$1,117
Benton County34$703
Campbell County49$936
Cannon County44$1,509
Claiborne County20$1,204
Clay County13$1,266
Cocke County92$1,266
Coffee County90$1,024
Cumberland County22$624
DeKalb County33$1,305
Dickson County53$1,082
Fayette County79$848
Franklin County58$1,274
Giles County96$974
Grainger County15$1,290
Greene County64$744
Grundy County13$1,407
Hamblen County51$708
Hancock County15$1,389
Hawkins County61$1,067
Haywood County77$734
Henderson County14$1,061
Hickman County41$1,271
Houston County21$2,246
Humphreys County78$1,749
Jackson County14$1,760
Jefferson County81$845
Johnson County63$1,260
Lake County24$898
Lauderdale County67$766
Lawrence County25$1,210
Lewis County14$1,490
Lincoln County38$1,086
Loudon County71$811
Macon County13$1,827
Marion County88$1,254
McMinn County25$1,101
McNairy County11$811
Monroe County54$1,073
Obion County80$810
Overton County11$1,073
Perry County65$1,167
Polk County55$1,556
Putnam County61$1,204
Rhea County91$1,184
Roane County96$1,162
Robertson County51$1,162
Scott County22$941
Sequatchie County32$1,236
Smith County93$1,401
Stewart County30$852
Trousdale County13$1,270
Union County10$1,192
Van Buren County16$1,766
Warren County27$1,920
Wayne County58$1,274
Weakley County25$1,074
White County12$1,191

ZIP codes with the most insured homes