Laura Yeargin choked back tears while showing us the damage left behind overnight by rising flood water in the place she’s called home for three decades. Yeargin didn’t have flood insurance because she doesn’t live in a flood area.
"Never had this, never experienced this before," she said, trying to save what she could from her house.
A few blocks over, another family decided to get flood insurance even though flooding wasn’t likely in their neighborhood.
The whole first floor of Jay Schwarzman's house was flooded Friday morning.
"Out here was a lake, you couldn’t even see grass," he said.
He says the rushing water washed away basketball goals and fences, and left everything soaked.
City employees were going door-to-door assessing damage to more than 100 homes Friday. The city says inspectors wearing yellow safety vests will be out again Saturday, asking questions of people who are affected.
FEMA is also offering homeowners information on what to do if they were impacted by the flood.
Germantown officials say anyone who experienced property damage due to the heavy rain early Friday morning is asked to call (901) 751-7559 and leave a message over the weekend.