Memphis, TN Flood Zone Lookup
Last updated: March 2026
Memphis sits on bluffs overlooking the Mississippi River and is protected by an extensive levee system. However, the Wolf River, Nonconnah Creek, and Loosahatchie River create flood risk in the surrounding lowlands.
Shelby County has recorded 1,014 NFIP flood insurance claims since 1978, totaling $24.9M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 4
NFIP Policies
2,602
Shelby County
Avg. Premium
$867/yr
Shelby County
FEMA Flood Risk Profile: Shelby County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $153.7M
Hurricane Risk
Relatively LowEst. annual loss: $350K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Shelby County
Shelby County has been included in 3 federal flood-related disaster declarations.
These declarations affected communities across Shelby County, including Memphis.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Shelby County
Properties in Shelby County have filed 1,014 NFIP flood insurance claims totaling $24.9M in payouts since 1978. The average claim payout is $25K.
Highest-Claim Years
2010
121 claims - $7.2M
2014
119 claims - $3.8M
1979
101 claims - $475K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Shelby County
Only roughly 1 in 141 households in Shelby County carries NFIP flood insurance (0.7% of estimated households). With 211 recorded flood events and $2.1B in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.7%
roughly 1 in 141 households
Historical Claims Ratio
1 in 3
1,014 claims over 45+ years across 2,602 current policies
Avg. Claim Payout
$24,556
Per claim, county-wide since 1978
Historically, Shelby County has averaged 1 claim for every 3 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Memphis.
What Your Flood Zone Means in Memphis
Memphis faces multiple inland flood threats, including riverine flooding from nearby waterways and flash flooding from intense rainfall overwhelming urban drainage systems. Properties near river corridors face the highest risk, but stormwater backup can affect neighborhoods well outside the mapped floodplain. The most common FEMA flood zone designations in Memphis are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $153.7M.
With both riverine and urban stormwater flood risk, insurance costs in Memphis depend heavily on a property's elevation relative to nearby waterways and the local drainage infrastructure. FEMA's Risk Rating 2.0 prices in multiple inland flood sources rather than relying on the flood zone line alone. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood zone boundaries in Memphis can shift when FEMA updates its Flood Insurance Studies or when upstream development changes how water moves through the watershed. New stormwater infrastructure or dam modifications can also trigger map revisions. Use our free lookup tool to check the current flood zone for any Memphis address.
Repetitive Loss Properties: Shelby County
Shelby County has 98 properties with multiple flood insurance losses, including 9 severe repetitive loss properties. 1 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
98
2+ claims within 10 years
Severe Repetitive Loss
9
4+ claims or 2 exceeding value
Mitigated
1
Received FEMA mitigation
By Flood Zone
Zone data available for 84 of 98 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Shelby County
NOAA has recorded 211 flood events in Shelby County since 1996, causing $2.1B in damage and 5 deaths.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Shelby County
FEMA has funded mitigation for 87 properties in Shelby County, investing $1.9M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Memphis, TN Flood Zone FAQ
What flood zones are in Memphis, TN?
The most common FEMA flood zones in Memphis are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Memphis?
If your Memphis property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Memphis?
Enter your Memphis address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
How high is flood risk in Memphis?
According to FEMA's National Risk Index, Shelby County (where Memphis is located) has a "Relatively High" rating for inland flood risk. The estimated annual flood loss for the county is $153.7M. This county-level assessment considers historical flood losses, social vulnerability, and community resilience.
Has Memphis experienced major flooding events?
Shelby County, where Memphis is located, has been part of 3 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Flooding in 2011. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Memphis?
Shelby County has recorded 1,014 NFIP flood insurance claims totaling $24.9M in payouts since 1978. The year with the most claims was 2010, with 121 claims and $7.2M in payouts. These figures cover all NFIP claims in the county, including Memphis.
How many flood insurance policies are active in Memphis?
Shelby County currently has 2,602 active NFIP flood insurance policies with an average annual premium of $867. The most policies are in Zone X (1,799 policies). These figures cover all active NFIP policies in the county.
How many Memphis properties have flooded repeatedly?
Shelby County has 98 properties with multiple flood losses on record, including 9 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Memphis property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Memphis?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Memphis's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Tennessee Cities
Understanding Flood Zones
Look Up Any Memphis, TN Address
Enter a Memphis, TN address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.