Check YOUR Exact Address in Memphis
Memphis, TN Flood Zone Map
Is Memphis in a flood zone? Yes -- about 21% of its mapped area is in a FEMA high-risk flood zone (Special Flood Hazard Area). FEMA NFHL data shows the mapped zone breakdown below. FEMA OpenFEMA NFIP Redacted Claims v3 records 3,953 claims in Tennessee since 2016; 30% of all recorded Tennessee claims are outside high-risk zones (claims data fetched 2026-10-06).
Sources: FEMA NFHL; US Census TIGERweb; FEMA OpenFEMA NFIP Redacted Claims v3.
Data as of Oct 6, 2026 (FEMA OpenFEMA NFIP claims)
Published by checkmyfloodzone.com. Last updated: .
- High risk
- Moderate
- Lower risk
- Not mapped
Flood Zone Breakdown for Memphis
About 21% of the mapped area in Memphis falls within a FEMA Special Flood Hazard Area (high-risk or moderate-risk flood zone). The breakdown by zone:
- AE 20% Zone AE
- A 0% Zone A
- X 79% Zone X
Mapped Waterways Near Memphis
FEMA NFHL mapped zones: A, AE, X; US Census TIGERweb water features: Cypress Crk, Ditch No 2, Ditch No 5.. The FEMA NFHL fixture maps zones A, AE, X within the Memphis, Tennessee area. US Census TIGERweb maps Cypress Crk, Ditch No 2, Ditch No 5 in the same extent. These layers describe area-wide patterns; check an exact address for a property-level flood-zone result.
- Cypress Crk
- Ditch No 2
- Ditch No 5
- Overton Byu
- Horn Lake Ditch
- Wolf Riv
- Johnsons Crk
- Leath Byu
Flood Zone Details for Memphis
| Zone | Risk level | Area | Insurance |
|---|---|---|---|
| AE | High-risk riverine or coastal flood zone with a computed base flood elevation (BFE). About a 1-in-100 chance of flooding each year. | 20% | Flood insurance is typically required for federally backed mortgages. |
| A | High-risk flood zone without a detailed BFE study. About a 1-in-100 chance of flooding each year. | 0% | Flood insurance is typically required for federally backed mortgages. |
| X | Lower-risk zone outside the 1% annual chance flood boundary. Flooding is still possible but less likely than in high-risk zones. | 79% | Flood insurance is not required but may still be a smart choice -- nearly one-third of flood claims (29% over 2014-2024) come from lower-risk areas. |