Getting Flood Insurance

Flooding is the most common and costly natural disaster in Tennessee, and it can happen anywhere, not just in high-risk zones. More than one-quarter of all flood insurance claims nationwide come from properties outside designated high-risk areas, and even a small amount of water can cause severe damage, with just one inch of flooding capable of creating more than $25,000 in repair costs. Because standard homeowners and renters insurance policies do not cover flood damage, flood insurance is often the only reliable way to protect your home, business, and personal belongings from the financial impact of a flood.

If you live in one of the more than 400 communities that participate in the National Flood Insurance Program (NFIP), you are eligible to purchase flood insurance.

Through partnership between the NFIP program and FEMA, Floodsmart is a web-based resource that can help you find the right flood insurance coverage for you. For more resources like a homeowners policy checklist, getting a quote, finding out your eligibility status, and even purchasing a policy, you can visit the Floodsmart Get Insured webpage.

Elevation Certificates

Some properties, especially those in high-risk flood zones, may require an Elevation Certificate (EC) to determine accurate insurance rates. An elevation certificate shows how high a building is compared to how high local floodwaters are expected to get. It includes information like your home's location, characteristics, and its First Floor Height. First Floor Height is the height of the first (lowest) floor above the ground. 

Important notes:

  • ECs can only be completed by a licensed Tennessee surveyor.
  • Your property may already have an Elevation Certificate.
  • Many property owners may already have an EC from a previous survey or permit. Contact your local Floodplain Administrator to find out if the property already has a completed certificate. The NFIP Office does not store copies of elevation certificates.
  • If an EC is needed, contact a local licensed surveyor.