Home insurance in Knoxville, TN

Parts of Knoxville are in mapped flood zones, and flooding isn't covered by a standard policy. Here's what to check.

Flood risk in Knoxville

Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.

FEMA's current mapping for the Knoxville area shows Zone AE, Zone A alongside Zone X, which is the lower-risk designation.

Knoxville is in FEMA's Community Rating System at Class 6, which earns residents 20% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.

Source: FEMA National Flood Hazard Layer; NFIP community 475434.

More about insuring a home in Knoxville

Flood riskHail, wind and your roofYour home rebuild costWhat a policy coversRV & motorhome

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