Cheatham County flood history
Tennessee · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 513 flood insurance claims in Cheatham County, Tennessee since 1978. The NFIP paid $25.7 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 2010, with 209, mostly from Late spring storms.
In the last ten years (2017–2026) there were 103 claims, and the average paid claim was $23,068.
19% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 1.5% of homes in Cheatham County, Tennessee had an NFIP flood policy in FEMA's latest count (251 of 16,397 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 37% (161 of 441).
Since 2000, FEMA has made 8 flood-related disaster declarations covering Cheatham County, Tennessee. The most recent was DR-4878-TN (Severe Storms, Straight-Line Winds, Tornadoes, and Flooding), declared June 19, 2025.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2025 | 2 | $49,383 |
| 2024 | 1 | $0 |
| 2021 | 28 | $681,261 |
| 2019 | 50 | $856,539 |
| 2018 | 5 | $70,497 |
| 2017 | 17 | $164,709 |
| 2016 | 1 | $5,660 |
| 2014 | 1 | $29,309 |
| 2013 | 2 | $8,486 |
| 2012 | 1 | $0 |
| 2011 | 1 | $0 |
| 2010 | 209 | $22.3 million |
| 2009 | 1 | $0 |
| 2008 | 1 | $985 |
| 2003 | 5 | $37,617 |
| 2002 | 4 | $6,859 |
| 2000 | 26 | $292,808 |
| 1999 | 1 | $4,189 |
| 1998 | 5 | $7,572 |
| 1997 | 25 | $338,758 |
| 1994 | 2 | $7,040 |
| 1991 | 2 | $13,071 |
| 1989 | 11 | $76,584 |
| 1988 | 1 | $0 |
| 1984 | 68 | $585,031 |
| 1983 | 14 | $67,540 |
| 1982 | 1 | $138 |
| 1980 | 2 | $2,459 |
| 1979 | 5 | $26,748 |
| 1978 | 21 | $53,705 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Late spring storms | 2010 | 208 | $22.3 million |
| Flooding | 1997 | 24 | $337,896 |
| Heavy rains | 2003 | 4 | $32,209 |
| Mid-spring storms | 2014 | 1 | $29,309 |
How many homes have flood insurance
FEMA counts 251 residential NFIP policies in Cheatham County, against 16,397 residential buildings (1.5%). Of the 441 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 161 have an NFIP policy (37%). Private flood policies aren't in these counts.
Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?
Flood-related disaster declarations
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4878-TN | Jun 19, 2025 | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | Yes |
| EM-3625-TN | Apr 2, 2025 | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | No |
| DR-4792-TN | Jun 17, 2024 | Severe Storms, Tornadoes, and Flooding | No |
| DR-4601-TN | May 8, 2021 | Severe Storms, Tornadoes, and Flooding | Yes |
| DR-4427-TN | Apr 17, 2019 | Severe Storms, Flooding, Landslides, and Mudslides | No |
| DR-1909-TN | May 4, 2010 | Severe Storms, Flooding, Straight-Line Winds, and Tornadoes | Yes |
| DR-1464-TN | May 8, 2003 | Severe Storms, Tornadoes, and Flooding | Yes |
| DR-1331-TN | Jun 12, 2000 | Severe Storms, Tornadoes, and Flooding | No |
Check your own address
County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Tennessee.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.