Data · May 2026 data · 13-month trend
Tennessee Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Tennessee paid an average premium of $1,275 in May 2026. Against a national average of $982, the state sits 29.8% higher. That represents an 8.2% increase year over year. In all, 1,842 policies were written or renewed across 89 counties that month, and Crittenden County topped the county table at $4,786.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $1,275
- Avg total cost (with fees)
- $1,640
- Change (year over year)
- +8.2%
- vs national average
- +29.8%
- Policies written or renewed
- 1,842
- Counties reporting
- 89
Tennessee trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,178 | $1,527 | 2,106 | |
| June 2025 | $1,117 | $1,447 | 2,285 | |
| July 2025 | $1,130 | $1,465 | 2,192 | |
| August 2025 | $1,147 | $1,474 | 2,169 | |
| September 2025 | $1,115 | $1,445 | 2,201 | |
| October 2025 | $1,111 | $1,447 | 2,024 | |
| November 2025 | $1,133 | $1,466 | 1,851 | |
| December 2025 | $1,211 | $1,578 | 1,674 | |
| January 2026 | $1,191 | $1,545 | 1,546 | |
| February 2026 | $1,289 | $1,667 | 1,483 | |
| March 2026 | $1,220 | $1,586 | 2,080 | |
| April 2026 | $1,226 | $1,575 | 1,859 | |
| May 2026 | $1,275 | $1,640 | 1,842 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Crittenden County | $4,786 | $5,944 | 1 | |
| Jackson County | $4,656 | $5,792 | 2 | |
| Hickman County | $4,654 | $5,789 | 1 | |
| Trousdale County | $4,425 | $5,519 | 1 | |
| Humphreys County | $4,300 | $5,258 | 10 | |
| McMinn County | $3,997 | $5,013 | 3 | |
| Houston County | $3,572 | $4,438 | 3 | |
| Cannon County | $3,440 | $4,244 | 2 | |
| Campbell County | $3,065 | $3,914 | 1 | |
| Lincoln County | $2,920 | $3,668 | 3 | |
| Van Buren County | $2,813 | $3,391 | 5 | |
| FIPS 47000 | $2,448 | $2,639 | 8 | |
| Warren County | $2,273 | $2,754 | 1 | |
| Henderson County | $2,257 | $2,847 | 6 | |
| Franklin County | $2,139 | $2,671 | 3 | |
| Rhea County | $2,102 | $2,740 | 6 | |
| Overton County | $1,977 | $2,585 | 5 | |
| Moore County | $1,866 | $2,499 | 1 | |
| Blount County | $1,764 | $2,236 | 30 | |
| Smith County | $1,752 | $2,268 | 7 | |
| Marion County | $1,740 | $2,254 | 7 | |
| Anderson County | $1,709 | $2,179 | 10 | |
| Carter County | $1,692 | $2,108 | 23 | |
| Wayne County | $1,666 | $2,038 | 8 | |
| Obion County | $1,640 | $2,104 | 7 | |
| Hamblen County | $1,587 | $2,035 | 5 | |
| Bedford County | $1,568 | $2,057 | 5 | |
| Polk County | $1,552 | $1,959 | 4 | |
| Perry County | $1,497 | $1,952 | 6 | |
| DeKalb County | $1,495 | $1,836 | 5 | |
| Rutherford County | $1,465 | $1,851 | 98 | |
| Hamilton County | $1,464 | $1,881 | 143 | |
| Scott County | $1,427 | $1,981 | 2 | |
| Grainger County | $1,419 | $1,746 | 1 | |
| Cocke County | $1,409 | $1,896 | 14 | |
| Marshall County | $1,395 | $1,798 | 14 | |
| Johnson County | $1,374 | $1,725 | 7 | |
| Davidson County | $1,351 | $1,733 | 370 | |
| Maury County | $1,331 | $1,676 | 20 | |
| Unicoi County | $1,321 | $1,706 | 6 | |
| Hancock County | $1,299 | $1,717 | 2 | |
| Roane County | $1,259 | $1,608 | 9 | |
| Wilson County | $1,231 | $1,627 | 70 | |
| Williamson County | $1,225 | $1,557 | 137 | |
| Meigs County | $1,214 | $1,730 | 1 | |
| Union County | $1,206 | $1,495 | 2 | |
| Bradley County | $1,200 | $1,504 | 14 | |
| Sumner County | $1,191 | $1,529 | 57 | |
| Montgomery County | $1,162 | $1,488 | 25 | |
| Grundy County | $1,131 | $1,407 | 1 | |
| Knox County | $1,117 | $1,441 | 70 | |
| Washington County | $1,105 | $1,495 | 17 | |
| Lawrence County | $1,096 | $1,366 | 3 | |
| Cheatham County | $1,089 | $1,383 | 17 | |
| Giles County | $1,056 | $1,442 | 9 | |
| Greene County | $1,040 | $1,411 | 10 | |
| Sevier County | $1,032 | $1,331 | 137 | |
| Sullivan County | $1,023 | $1,359 | 31 | |
| Jefferson County | $1,017 | $1,272 | 3 | |
| Clay County | $1,014 | $1,269 | 1 | |
| Loudon County | $1,009 | $1,338 | 9 | |
| Tipton County | $1,008 | $1,288 | 17 | |
| Coffee County | $977 | $1,281 | 12 | |
| Shelby County | $973 | $1,288 | 177 | |
| Monroe County | $948 | $1,275 | 8 | |
| Lewis County | $931 | $1,171 | 1 | |
| Dickson County | $910 | $1,146 | 3 | |
| Putnam County | $868 | $1,153 | 4 | |
| Weakley County | $848 | $1,129 | 4 | |
| Robertson County | $841 | $1,064 | 3 | |
| Hardin County | $836 | $1,187 | 14 | |
| Claiborne County | $816 | $1,035 | 1 | |
| Henry County | $815 | $1,084 | 9 | |
| Lake County | $800 | $1,241 | 2 | |
| Haywood County | $775 | $1,036 | 9 | |
| Decatur County | $756 | $1,020 | 8 | |
| Madison County | $727 | $980 | 18 | |
| Carroll County | $683 | $1,103 | 1 | |
| Crockett County | $681 | $1,101 | 1 | |
| Gibson County | $670 | $863 | 7 | |
| Stewart County | $668 | $936 | 3 | |
| Benton County | $658 | $961 | 8 | |
| Hawkins County | $653 | $893 | 9 | |
| Fayette County | $631 | $817 | 9 | |
| Sequatchie County | $611 | $793 | 1 | |
| Dyer County | $508 | $757 | 21 | |
| Lauderdale County | $395 | $613 | 6 | |
| Cumberland County | $329 | $460 | 1 | |
| Chester County | $325 | $456 | 1 |
Use this data
Download Tennessee CSV (tennessee.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Tennessee Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/tennessee
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.