Water Risk Profile — ZIP 38304
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
medium-high
Cost Range
$1,700–$9,000
Avg Response
48 min
NFIP
State participates
Local Climate & Risk Factors
Jackson sits in west Tennessee between Memphis and Nashville along the South Fork Forked Deer River. Spring flooding from the Forked Deer River system is the primary flood risk — the river has flooded Jackson repeatedly, with significant events in 2011, 2016, and 2020. West Tennessee receives abundant rainfall (54 inches annually) and is at the funnel point for Gulf moisture systems. Jackson has a significant healthcare and manufacturing economy but limited restoration contractor density — response times are longer than larger Tennessee cities. Older housing stock throughout Madison County has aging infrastructure.
Flood-prone areas: Southeast Jackson near Forked Deer River has highest flood risk. North Jackson and Airways Boulevard corridor are higher ground. University of Tennessee Health Science Center area has newer construction.
Water Category Cost Table — Jackson, TN
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $2.89–$7.31 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $7.31–$8.85 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $10.4–$13.2 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Jackson market (3.4–12/sq ft range).