Blog · October 14, 2026 · Tennessee
Humphreys County Flood Zone Map (Tennessee)
FEMA's free flood maps and the Humphreys County parcel viewer, used together for property near McEwen.
Main page: Humphreys County, TN GIS & Parcel Viewer (official map link, Humphreys County facts and neighboring maps).
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Before you buy a house in McEwen, add on to a barn near New Johnsonville, or price a lot along the creek bottoms near Bakerville, check the Humphreys County flood zone map. You can check it yourself for any McEwen address in a few minutes.
Next: FEMA's search tool, the zone labels you'll see for Humphreys County, and how the parcel record confirms which tract you're on.
How to check the Humphreys County flood zone map
The authoritative source for a Humphreys County flood zone map is FEMA, so begin at the FEMA Flood Map Service Center. Download the FIRM panel FEMA lists as effective for that part of Humphreys County. If the PDF panel for Humphreys County is hard to read, try FEMA's National Flood Hazard Layer viewer, which displays how much of a Humphreys County parcel sits inside the zone. Switch to the Tennessee Property Viewer and find the same tract around Waverly. Laying the county parcel outline beside the FEMA shading displays if a homesite near Waverly sits above or inside the zone.
Finding the tract on the Humphreys County map
Humphreys County parcels are viewed through a statewide map, the Tennessee Property Viewer; zoom toward Waverly to reach them. After selecting Humphreys County, results display the map, group and parcel numbers used on Tennessee tax records for land near McEwen. If the official address for the Humphreys County, TN map ever changes, our directory page carries the current link for Waverly and the rest of the county.
Reading the zones on a Humphreys County flood map
On the FIRM covering Humphreys County, zones that start with A or V are Special Flood Hazard Areas, meaning FEMA estimates a 1-percent annual chance of flooding. Where a Humphreys County tract displays Zone AE, there's a base flood elevation to compare a building against; in Zone A there isn't one. Shaded Zone X around McEwen falls between the base flood and the 500-year flood. Unshaded X (or C) on the Humphreys County panel means minimal risk.
Unmapped creeks in Humphreys County
A low spot on a Humphreys County tract outside any mapped zone, so treat an unmapped channel as a reason to ask questions, not proof the ground stays dry.
Seller questions about flood history
For a house near McEwen, ask the seller for any elevation certificate on file and the current flood insurance declarations page. Then call an insurance agent who writes policies around New Johnsonville and get a quote using the zone and the county parcel address.
Reading the fine print on a Humphreys County panel
Look at the effective date printed on the county panel, since a new study can redraw zones around Waverly. Floodways, shown as hatched areas on some panels, are the channel and nearby land that must stay open, and building there near Waverly faces the strictest rules.
What a flood zone means for a Humphreys County buyer
Here's why the zone matters at a closing in McEwen. If a barn or house outside McEwen sits in a Special Flood Hazard Area and secures a loan from a federally regulated or insured lender, flood insurance is mandatory under the Flood Disaster Protection Act, wherever the community joins the NFIP. Outside the A zones around Waverly, federal rules do not require a policy, although some lenders require it anyway. When a county homesite is on a rise inside a mapped zone, the landowner can ask FEMA for a Letter of Map Amendment (LOMA); a surveyor near Waverly can supply the elevation data. Placing fill on low ground near McEwen has to meet local floodplain rules, and the building office serving Waverly explains the steps.
Humphreys County flood zones questions
Does a 100-year floodplain near McEwen flood only once a century?
No, ground around Waverly mapped that way carries a 1-in-100 chance in any single year, so floods can come in back-to-back years.
How can I check a Humphreys County, TN flood zone?
Look it up at FEMA's Flood Map Service Center, then match the parcel lines in the Tennessee Property Viewer; for land near McEwen, a zone starting with A or V is high risk.
How do I challenge a flood zone for a lot in Waverly?
For a lot in Waverly, hire a surveyor for an elevation certificate, then file a LOMA request with FEMA.
Do I need flood insurance in Zone X in Humphreys County?
Not under federal rules; Zone X in Humphreys County is outside the Special Flood Hazard Area, though a lender can still require coverage.
Does the Humphreys County parcel map display flood zones?
Check the layer list in the Tennessee Property Viewer; if Humphreys County includes a floodplain layer, confirm the zone on FEMA's map anyway.
Open the official Humphreys County, TN parcel map Humphreys County in the Platbookmapper directory
Not a survey. County GIS and tax parcel maps are assessment and planning layers. They are not a substitute for a recorded plat, deed, or licensed survey, especially for fences, setbacks, or boundary disputes.