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Water Damage Restoration in Tennessee

Pick your town for local water and sewer numbers, flood notes, and a 24/7 line for water removal and drying from a restoration company that serves that area.

Beech Bluff

County EMA and TDEC septic lines, FEMA storm claims, Madison County flash floods, and resort history.

Open the Beech Bluff page

Winfield

Town hall and Oneida water lines, Scott County flash floods, mobile homes, and freeze data.

Open the Winfield page

Flood and storm risk in Tennessee

What NOAA's climate records show.

Heavy rain days have generally been near or above average since the 1970s, and they are projected to become more frequent and intense. (NOAA State Climate Summary)
On August 21 and 22, 2021, 20.7 inches of rain fell near McEwen in Middle Tennessee, a state record for 24 hours, causing deadly flash flooding downstream. (NOAA State Climate Summary)
In late September 2024, the remnants of Hurricane Helene caused devastating flooding in eastern Tennessee. The storm led to 18 confirmed deaths in the state. (NOAA State Climate Summary)

Tennessee disaster history

Federal major disaster declarations since 2000.

Since 2000, Tennessee has had 49 federal major disaster declarations, and 28 of them list flooding in the title (OpenFEMA). The most recent of those, DR-4878 for severe storms, straight-line winds, tornadoes, and flooding, was declared in June 2025 (OpenFEMA). FEMA's Tennessee page lists declared disasters, open disaster recovery centers and flood maps. For state updates, see the Tennessee Emergency Management Agency.

Guides for Tennessee homes

Picked for the risks above.

Storm and flood cleanup: The order to do things after a flood.
Water in the crawl space: Removal and drying.
Mold after water damage: What to do and when to call a pro.
Does homeowners insurance cover water damage?: Sudden leaks, floods and sewer backups.

Tennessee insurance basics

Deadlines your insurer has to meet.

Your insurer must acknowledge your claim within 30 days, unless it pays the claim within that time (Tenn. Comp. R. & Regs. 0780-01-05-.07).
Within 60 days after it receives a completed proof of loss and the documents the policy requires, the insurer must tell you whether it accepts or denies the claim. If it needs more time, it must tell you why, and send a new letter every 60 days while the investigation stays open (0780-01-05-.08).
If you can't resolve a problem with your insurer, call the Tennessee Consumer Insurance Services Section at 615-741-2218 or 800-342-4029, or file online (Tennessee Department of Commerce and Insurance).