The 1981 Chattanooga Moccasins football team represented the University of Tennessee at Chattanooga as a member of the Southern Conference (SoCon) in the 1981 NCAA Division I-A football season.
The Moccasins were led by second-year head coach Bill Oliver and played their home games at Charmerlain Field.
They finished the season 7–3–1 overall and 3–2–1 in SoCon play to tie for fourth place.
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