Out of 475 ZIP codes with data in Tennessee, these are the highest-ranked areas for flood claims. See also: National ZIP Codes with Highest Flood Risk | All Tennessee Rankings
| Statistic | Value |
|---|---|
| ZIP codes ranked | 475 |
| Highest value | 707 claims |
| Median value | 10 claims |
| State | Tennessee |
Top 100 Worst ZIP Codes
| Rank | ZIP Code | City | State | Flood Claims | Safety Score |
|---|---|---|---|---|---|
| 1 | 37412 | Chattanooga | TN | 707 claims | 64/100 |
| 2 | 37211 | Nashville | TN | 682 claims | 54/100 |
| 3 | 37027 | Brentwood | TN | 464 claims | 52/100 |
| 4 | 37215 | Nashville | TN | 408 claims | 54/100 |
| 5 | 37204 | Nashville | TN | 403 claims | 54/100 |
| 6 | 37214 | Nashville | TN | 366 claims | 54/100 |
| 7 | 37064 | Franklin | TN | 341 claims | 43/100 |
| 8 | 37075 | Hendersonville | TN | 339 claims | 66/100 |
| 9 | 37207 | Nashville | TN | 335 claims | 54/100 |
| 10 | 37015 | Ashland City | TN | 294 claims | 67/100 |
| 11 | 38063 | Ripley | TN | 280 claims | 78/100 |
| 12 | 37138 | Old Hickory | TN | 271 claims | 45/100 |
| 13 | 37209 | Nashville | TN | 255 claims | 54/100 |
| 14 | 37087 | Lebanon | TN | 253 claims | 52/100 |
| 15 | 37122 | Mount Juliet | TN | 249 claims | 55/100 |
| 16 | 37205 | Nashville | TN | 246 claims | 54/100 |
| 17 | 37115 | Madison | TN | 235 claims | 55/100 |
| 18 | 37185 | Waverly | TN | 230 claims | 54/100 |
| 19 | 37069 | Franklin | TN | 229 claims | 43/100 |
| 20 | 37066 | Gallatin | TN | 224 claims | 68/100 |
| 21 | 37863 | Pigeon Forge | TN | 222 claims | 66/100 |
| 22 | 37421 | Chattanooga | TN | 219 claims | 64/100 |
| 23 | 37013 | Antioch | TN | 208 claims | 35/100 |
| 24 | 37218 | Nashville | TN | 207 claims | 54/100 |
| 25 | 37030 | Carthage | TN | 200 claims | 59/100 |
| 26 | 37221 | Nashville | TN | 199 claims | 59/100 |
| 27 | 37072 | Goodlettsville | TN | 178 claims | 40/100 |
| 28 | 37643 | Elizabethton | TN | 163 claims | 72/100 |
| 29 | 38024 | Dyersburg | TN | 162 claims | 85/100 |
| 30 | 38053 | Millington | TN | 162 claims | 85/100 |
| 31 | 37918 | Knoxville | TN | 152 claims | 60/100 |
| 32 | 38401 | Columbia | TN | 151 claims | 85/100 |
| 33 | 37216 | Nashville | TN | 150 claims | 59/100 |
| 34 | 37415 | Chattanooga | TN | 147 claims | 69/100 |
| 35 | 37343 | Hixson | TN | 146 claims | 73/100 |
| 36 | 37210 | Nashville | TN | 145 claims | 59/100 |
| 37 | 37217 | Nashville | TN | 141 claims | 59/100 |
| 38 | 37917 | Knoxville | TN | 134 claims | 60/100 |
| 39 | 37167 | Smyrna | TN | 133 claims | 59/100 |
| 40 | 37312 | Cleveland | TN | 128 claims | 58/100 |
| 41 | 37411 | Chattanooga | TN | 121 claims | 69/100 |
| 42 | 37042 | Clarksville | TN | 110 claims | 65/100 |
| 43 | 38301 | Jackson | TN | 105 claims | 54/100 |
| 44 | 37076 | Hermitage | TN | 101 claims | 40/100 |
| 45 | 37129 | Murfreesboro | TN | 98 claims | 59/100 |
| 46 | 37040 | Clarksville | TN | 96 claims | 65/100 |
| 47 | 38382 | Trenton | TN | 95 claims | 83/100 |
| 48 | 37143 | Pegram | TN | 93 claims | 50/100 |
| 49 | 37035 | Chapmansboro | TN | 88 claims | 50/100 |
| 50 | 38134 | Memphis | TN | 87 claims | 85/100 |
| 51 | 38012 | Brownsville | TN | 83 claims | 85/100 |
| 52 | 37086 | La Vergne | TN | 81 claims | 40/100 |
| 53 | 37738 | Gatlinburg | TN | 81 claims | 68/100 |
| 54 | 37043 | Clarksville | TN | 79 claims | 65/100 |
| 55 | 37379 | Soddy Daisy | TN | 76 claims | 69/100 |
| 56 | 37660 | Kingsport | TN | 76 claims | 57/100 |
| 57 | 38343 | Humboldt | TN | 76 claims | 85/100 |
| 58 | 37096 | Linden | TN | 73 claims | 51/100 |
| 59 | 37130 | Murfreesboro | TN | 69 claims | 59/100 |
| 60 | 37419 | Chattanooga | TN | 69 claims | 69/100 |
| 61 | 37061 | Erin | TN | 67 claims | 71/100 |
| 62 | 38329 | Decaturville | TN | 67 claims | 72/100 |
| 63 | 38372 | Savannah | TN | 64 claims | 69/100 |
| 64 | 38127 | Memphis | TN | 62 claims | 85/100 |
| 65 | 37206 | Nashville | TN | 61 claims | 59/100 |
| 66 | 37055 | Dickson | TN | 60 claims | 72/100 |
| 67 | 37604 | Johnson City | TN | 60 claims | 56/100 |
| 68 | 37687 | Roan Mountain | TN | 60 claims | 72/100 |
| 69 | 38128 | Memphis | TN | 60 claims | 85/100 |
| 70 | 38261 | Union City | TN | 60 claims | 85/100 |
| 71 | 37311 | Cleveland | TN | 58 claims | 58/100 |
| 72 | 38058 | Munford | TN | 58 claims | 75/100 |
| 73 | 37189 | Whites Creek | TN | 55 claims | 40/100 |
| 74 | 38007 | Bogota | TN | 55 claims | 60/100 |
| 75 | 38138 | Germantown | TN | 54 claims | 81/100 |
| 76 | 38305 | Jackson | TN | 54 claims | 54/100 |
| 77 | 37404 | Chattanooga | TN | 53 claims | 69/100 |
| 78 | 37405 | Chattanooga | TN | 52 claims | 69/100 |
| 79 | 37601 | Johnson City | TN | 52 claims | 56/100 |
| 80 | 38030 | Finley | TN | 50 claims | 65/100 |
| 81 | 38370 | Saltillo | TN | 50 claims | 78/100 |
| 82 | 38485 | Waynesboro | TN | 47 claims | 64/100 |
| 83 | 37380 | South Pittsburg | TN | 46 claims | 78/100 |
| 84 | 38253 | Rives | TN | 46 claims | 65/100 |
| 85 | 37650 | Erwin | TN | 45 claims | 78/100 |
| 86 | 38119 | Memphis | TN | 45 claims | 90/100 |
| 87 | 38120 | Memphis | TN | 45 claims | 90/100 |
| 88 | 37407 | Chattanooga | TN | 44 claims | 74/100 |
| 89 | 37658 | Hampton | TN | 44 claims | 76/100 |
| 90 | 37821 | Newport | TN | 43 claims | 78/100 |
| 91 | 38104 | Memphis | TN | 43 claims | 90/100 |
| 92 | 37347 | Jasper | TN | 42 claims | 74/100 |
| 93 | 38311 | Bath Springs | TN | 42 claims | 55/100 |
| 94 | 37135 | Nolensville | TN | 41 claims | 62/100 |
| 95 | 38002 | Arlington | TN | 41 claims | 65/100 |
| 96 | 37849 | Powell | TN | 40 claims | 45/100 |
| 97 | 38327 | Crump | TN | 40 claims | 55/100 |
| 98 | 37683 | Mountain City | TN | 39 claims | 66/100 |
| 99 | 38358 | Milan | TN | 39 claims | 88/100 |
| 100 | 37381 | Spring City | TN | 38 claims | 87/100 |
Methodology
Flood risk rankings use FEMA National Flood Insurance Program (NFIP) claim data. Total claims reflect historical flood events that resulted in insured property damage. High claim counts indicate areas with recurring flood exposure, which can compromise water infrastructure, introduce contaminant runoff, and damage home systems.
Data sources: EPA Safe Drinking Water Information System (SDWIS), FEMA National Flood Insurance Program, EPA radon zone maps, EIA electricity rates, and Consumer Confidence Reports. Last updated: 2026-06-04.
Frequently Asked Questions
Why does flood history matter for home safety?
Flooding can contaminate drinking water supplies, damage water infrastructure, introduce sewage and chemical runoff, and compromise home foundations and electrical systems. Repeated flooding indicates persistent risk that affects long-term home safety.
Where does the flood data come from?
Flood claim data comes from the FEMA National Flood Insurance Program (NFIP), which tracks all insured flood losses by ZIP code. This includes claims from hurricanes, river flooding, storm surge, and heavy rainfall events.
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