Do you need flood insurance in tn

How Much Is Flood Insurance in Tennessee? Average Flood Insurance Cost and Coverage

The average cost of flood insurance in Tennessee is $998, which is higher than the national average of $767. Flood insurance may be required if you live in a flood-prone area of TN and have a government-backed mortgage.

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Head of Insurance, MoneyGeek

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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Writer and Editor

Scott Strandberg is an editor at MoneyGeek who has focused on personal finance and small business development since 2017. He is also the founder of Strandberg Media Services LLC. Strandberg has a bachelor's degree in film/cinema/video studies from the University of Oklahoma.

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MF

Head of Insurance, MoneyGeek

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

SS

SS

Writer and Editor

Scott Strandberg is an editor at MoneyGeek who has focused on personal finance and small business development since 2017. He is also the founder of Strandberg Media Services LLC. Strandberg has a bachelor's degree in film/cinema/video studies from the University of Oklahoma.

Updated: May 22, 2024

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• Cost of Flood Insurance in TN
• Flood Insurance Companies in TN
• Flood Insurance Coverage
• Flood Insurance Cost Factors in TN
• Do You Need Flood Insurance?
• Tennessee Flood Insurance FAQs

• Cost of Flood Insurance in TN
• Flood Insurance Companies in TN
• Flood Insurance Coverage
• Flood Insurance Cost Factors in TN
• Do You Need Flood Insurance?
• Tennessee Flood Insurance FAQs

The average flood insurance cost in Tennessee will depend on where you live as well as individual risk factors, like your home’s ground elevation and proximity to bodies of water.

If you are not sure whether your household is in a flood zone, you can check local maps. MoneyGeek strongly recommends that you get flood insurance if you are in a moderate- or high-risk flood zone. Flood damage can be expensive, and FEMA estimates that even an inch of water can cause up to $25,000 in damages.

Keep in mind that your homeowners or renters insurance policy does not include coverage for natural flooding, so flood insurance is the only way to protect yourself against flood damages.

TABLE OF CONTENTS

• Cost of Flood Insurance in Tennessee
• Flood Insurance Companies in Tennessee
• Flood Insurance Coverage
• Flood Insurance Cost Factors in Tennessee
• Do You Need Flood Insurance?
• Tennessee Flood Insurance FAQs

The NFIP, NFIP-participating companies and private insurance providers offer flood insurance in Tennessee.

You will pay higher rates for flood insurance in Tennessee if you live in a high-risk flood zone.

Apart from location, flood insurance premiums in Tennessee will also depend on individual factors, like the age and design of your home, your coverage level and the deductible on your policy.

Average Cost of Flood Insurance in Tennessee

In Tennessee, flood insurance costs an average of $998 per year, but this rate can vary depending on your county. If you live in a moderate- or high-risk flood zone, you will pay more for flood insurance.

Average Cost of Flood Insurance by County in Tennessee

Tennessee has more flood-prone areas, so flood insurance is more expensive in the state compared to average national rates.

MoneyGeek found that Harris County is the cheapest for flood insurance in Tennessee at an average of $467 per year, while Pickett County is the most expensive at $4,441 per year.

You can use the table below to look up the average flood insurance cost in Tennessee by county.

Tennessee Flood Insurance Cost Per County

Companies That Offer Flood Insurance in Tennessee

The NFIP offers flood insurance in Tennessee, but you can also purchase a policy from private insurance companies. Private insurers offer base policies that are similar to NFIP coverage or excess policies that provide supplemental coverage in addition to the base coverage.

If you want more comprehensive coverage than you can get from an NFIP policy or live in a household that is not in an NFIP community, private insurers may be the best option.