Flood insurance cost · Sevier County, TN

Flood insurance cost in Sevier County, Tennessee

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 384 home policies in force on August 31, 2026.

Sevier County, TennesseePolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,378a year

Half of insured homes paid between $896 and $1,799. That is 27% more than the Tennessee median ($1,084). Most insured homes here are rated in zone AE (74%).

$0$896 · $1,378 · $1,799$2,249

+14.9% vs Aug 31, 2025 (median $1,199)

384home policies in force

$1,504average cost (mean)

82%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.

Cost by flood zone in Sevier County

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,385	$1,033–$1,829	$1,524	285 (74%)	+9.6%
Zone A High risk	$2,191	$1,529–$2,688	$2,383	29 (8%)	+14.5%
Zone X Moderate to low risk	$736	$590–$1,200	$1,059	70 (18%)	−5.9%

Not shown (fewer than 10 home policies): VE, AO, 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 Sevier County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	346	$1,385	$1,551
Condo or apartment unit	24	$672	$788
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.	47	$2,325	$3,531
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	292	$3,025	$4,194

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home.

723NFIP policies in force, any building

1,203insured units (condo association policies count every unit)

53%of home policies also cover contents

$56,000median contents coverage, when bought

One year on: Sevier County

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, 2025	Aug 31, 2026	Change
Home policies in force	373	384	+2.9%
Median annual cost	$1,199	$1,378	+14.9%
Average annual cost	$1,492	$1,504	+0.8%
All policies in force (any building)	732	723	−1.2%

How many homes have flood insurance?

0.9%of all homes in Sevier County have an NFIP policy

21.4%of homes in high-risk zones (special flood hazard area) have one

46,628residential buildings counted by FEMA

1,600of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Sevier County, Tennessee have filed 350 flood claims. 273 received a payment, for a total of $4,113,925 (an average of $15,069 per paid claim). The year with the most claims was 1994 (72 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (9)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2020	14	13	$611,069	$47,005
2019	28	20	$438,200	$21,910
2009	21	18	$149,514	$8,306
2003	44	35	$378,722	$10,821
2002	35	32	$315,773	$9,868
1998	30	25	$351,765	$14,071
1994	72	54	$834,389	$15,452
1985	12	12	$20,622	$1,718
1979	27	19	$73,685	$3,878

From 2016 to 2026: 42 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.

Main NFIP communities in the county

Pigeon Forge (139 home policies) · Sevierville (118 home policies) · Unincorporated Sevier County (89 home policies) · Gatlinburg (31 home policies)