Flood insurance cost in Tennessee
In Tennessee, the lowest private flood insurance quote ran $684 a year and the typical private quote ran $2,150. The NFIP quote ran $2,580.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 69% below the NFIP quote, and private was the cheaper option for 94% of those 97 properties. The typical private quote came in 6% below NFIP.
Median annual premiums from 1,431 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone X, B and C (moderate to low risk) | $458 | $936 | $1,661 | 472 |
| Zone A, AE, AH and AO (high risk) | $725 | $2,758 | $3,045 | 959 |
| Residential properties | $684 | $2,210 | $2,347 | 1,411 |
How quotes have moved since 2020
- Lowest private quote$800 in 2026
- Typical private quote$2,113 in 2026
- NFIP quote$3,045 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $648 | $692 | $2,489 | 180 |
| 2021 | $758 | $1,516 | $1,195 | 324 |
| 2022 | $1,287 | $1,898 | n/a | 119 |
| 2024 | $523 | $1,463 | $2,301 | 403 |
| 2025 | $680 | $2,449 | $2,084 | 597 |
| 2026* | $800 | $2,113 | $3,045 | 689 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Tennessee?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Tennessee was $2,150 a year and the lowest private quote a property received was $684. NFIP quotes ran $2,580. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Tennessee?
- Where a property was quoted both ways, the lowest private quote came in a median 69% below the NFIP quote, and private was the cheaper option for 94% of those 97 properties. The typical private quote came in 6% below NFIP.
- How much does the flood zone change the price in Tennessee?
- Properties in high-risk A zones were quoted a typical $2,758 a year for private flood insurance, against $936 in moderate to low risk X zones. The lowest quotes ran $725 and $458.
- Where do these numbers come from?
- From 1,431 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Tennessee
- Flood insurance in Tennessee: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.