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Tennessee Environment & Hazard Risk

2 counties rated high or very high risk. 42,614 storm events since 1996, #18 among states.

Expected yearly loss
$3B
$435 per person
Storm events since 1996
42,614
Most often thunderstorm wind
Flood insurance policies
18,014
$480M in claims paid
Superfund sites
26
630 toxic release facilities

Risk by county

FEMA National Risk Index rating, highest risk first

CountyOverall riskTop hazardFlood policiesFlood claims paid
Shelby CountyHighCold wave1,978$25.1M
Davidson CountyHighEarthquake3,818$186M
Hamilton CountyModerateTornado1,269$30.3M
Knox CountyModerateLightning772$7.9M
Madison CountyModerateEarthquake166$3.4M
Rutherford CountyModerateCold wave1,067$7.1M
Sumner CountyModerateTornado598$14.4M
Montgomery CountyModerateEarthquake254$11M
Dyer CountyModerateEarthquake179$7.3M
Gibson CountyModerateEarthquake114$3.2M
Williamson CountyModerateCold wave1,284$31.1M
Henry CountyModerateCold wave97$319K
Obion CountyModerateEarthquake130$3.9M
Tipton CountyModerateEarthquake136$5.2M
Wilson CountyLowCold wave611$11.2M
Maury CountyLowTornado168$3.3M
Sevier CountyLowLandslide426$4.1M
Fayette CountyLowEarthquake75$830K
Blount CountyLowLandslide251$1.3M
Weakley CountyLowEarthquake25$73.9K
Bradley CountyLowEarthquake211$2.2M
Anderson CountyLowLandslide98$262K
Carroll CountyLowEarthquake8$521K
Lauderdale CountyLowEarthquake67$4.6M
Sullivan CountyLowLandslide266$2M
Hardin CountyLowLandslide152$3.9M
Lawrence CountyLowTornado27$715K
Bedford CountyLowCold wave39$332K
Roane CountyLowLandslide99$522K
Loudon CountyLowEarthquake72$510K
Cumberland CountyLowCold wave22$7,780
Putnam CountyLowLightning62$1.2M
Haywood CountyLowEarthquake80$1.5M
Coffee CountyLowEarthquake89$171K
Warren CountyLowTornado28$311K
Carter CountyLowLandslide361$5.3M
Henderson CountyLowEarthquake14$551K
Hardeman CountyLowEarthquake4$12.3K
Washington CountyLowLandslide204$6.1M
Giles CountyLowStrong wind103$457K
Monroe CountyLowLandslide54$257K
Robertson CountyLowEarthquake52$2.2M
McMinn CountyLowEarthquake25$351K
Lincoln CountyLowTornado39$659K
Marion CountyLowStrong wind91$1.2M
Campbell CountyLowLandslide51$710K
Franklin CountyLowEarthquake58$223K
Greene CountyLowLandslide76$1.4M
Hawkins CountyLowLandslide54$108K
Cocke CountyLowLandslide173$5.8M
Dickson CountyLowEarthquake55$4M
Crockett CountyLowEarthquake11$446K
McNairy CountyLowEarthquake12$816K
Rhea CountyLowLandslide106$1.7M
Humphreys CountyLowEarthquake81$15.7M
Lake CountyLowEarthquake25$371K
Hickman CountyLowEarthquake45$4.6M
Hamblen CountyLowEarthquake63$275K
Cheatham CountyLowEarthquake251$25.7M
Marshall CountyLowTornado102$527K
Jefferson CountyLowLandslide83$268K
Chester CountyLowEarthquake7$41.8K
Wayne CountyLowEarthquake56$1.8M
Claiborne CountyLowLandslide21$480K
Sequatchie CountyVery LowCold wave31$134K
Benton CountyVery LowEarthquake34$511K
White CountyVery LowWinter weather11$53.4K
Decatur CountyVery LowEarthquake139$1.8M
Macon CountyVery LowEarthquake14$222K
Grundy CountyVery LowCold wave13$35.7K
Perry CountyVery LowEarthquake65$2.5M
Polk CountyVery LowLandslide56$638K
Stewart CountyVery LowEarthquake29$572K
Fentress CountyVery LowLightning4-
Johnson CountyVery LowLandslide104$2.2M
Scott CountyVery LowLandslide22-
DeKalb CountyVery LowEarthquake33$161K
Bledsoe CountyVery LowLandslide3-
Cannon CountyVery LowTornado45$1.4M
Jackson CountyVery LowLandslide14$1.2M
Overton CountyVery LowLightning11$159K
Morgan CountyVery LowLandslide9$58K
Smith CountyVery LowLandslide96$5.5M
Grainger CountyVery LowLandslide15$40.8K
Lewis CountyVery LowEarthquake14$477K
Clay CountyVery LowLandslide13$436K
Houston CountyVery LowEarthquake20$1.6M
Union CountyVery LowLandslide10$203K
Meigs CountyVery LowLandslide6$17.7K
Hancock CountyVery LowLandslide15$291K
Unicoi CountyVery LowLandslide136$1.3M
Moore CountyVery LowTornado4-
Trousdale CountyVery LowEarthquake13$273K
Pickett CountyVery LowLandslide4$105K
Van Buren CountyVery LowLandslide16$346K

Storm events by type

Since 1996: 622 deaths, $8.9B in property and crop damage

  • Thunderstorm Wind17,619 · 44 deaths
  • Hail6,262
  • Flash Flood3,432 · 86 deaths
  • Winter Weather2,093 · 18 deaths
  • Drought1,974
  • Winter Storm1,940 · 23 deaths
  • Heat1,720 · 62 deaths
  • Heavy Snow1,588 · 14 deaths
  • Tornado1,127 · 224 deaths
  • Flood1,061 · 35 deaths
  • High Wind807 · 8 deaths
  • Excessive Heat733 · 20 deaths

Events per year

Storm events per year in Tennessee

Most damaging storms

Since 2017, ranked by deaths, injuries and damage

  • TornadoEF3, 21.49 mi path, 1,150 yd wide03/03/2020

    Scottsboro, Davidson County

    2 deaths, 170 injured, $1.1B damage

    What happened

    An historic, long-track, strong EF-3 tornado began in western Davidson County then tracked eastward for over 60 miles through Wilson County into Smith County before lifting, causing 5 deaths and 220 injuries. This tornado touched down west of River Road Pike then moved eastward across Bells Bend, destroying a barn and blowing down numerous trees. The tornado strengthened significantly and widened to 0.65 miles wide as it crossed the Cumberland River into the John C. Tune Airport area, causing strong EF-2 damage to numerous planes, hangers, warehouses, and other buildings from Cockrill Bend Way to Briley Parkway. Around $200 million in damage was reported at John C. Tune Airport alone. Continuing eastward, the tornado caused severe damage to the Tennessee State Prison and blew down numerous high-tension transmission towers as it again crossed the Cumberland River into North Nashville, with up to EF-2 damage to farm facilities at Tennessee State University and dozens of homes between I-40 and Buchanan Street. EF-2 damage continued across the Germantown neighborhood just 1/2 mile north of downtown Nashville with several damaged and destroyed apartment complexes, homes, and...

  • TornadoEF3, 26.65 mi path, 1,600 yd wide03/03/2020

    Mt Juliet, Wilson County

    3 deaths, 50 injured, $409M damage

    What happened

    An historic, long-track, strong EF-3 tornado began in western Davidson County then tracked eastward for over 60 miles through Wilson County into Smith County before lifting, causing 5 deaths and 220 injuries. This tornado touched down west of River Road Pike then moved eastward across Bells Bend, destroying a barn and blowing down numerous trees. The tornado strengthened significantly and widened to 0.65 miles wide as it crossed the Cumberland River into the John C. Tune Airport area, causing strong EF-2 damage to numerous planes, hangers, warehouses, and other buildings from Cockrill Bend Way to Briley Parkway. Around $200 million in damage was reported at John Tune Airport alone. Continuing eastward, the tornado caused severe damage to the Tennessee State Prison and blew down numerous high-tension transmission towers as it again crossed the Cumberland River into North Nashville, with up to EF-2 damage to farm facilities at Tennessee State University and dozens of homes between I-40 and Buchanan Street. EF-2 damage continued across the Germantown neighborhood just 1/2 mile north of downtown Nashville with several damaged and destroyed apartment complexes, homes, and...

  • TornadoEF4, 8.39 mi path, 900 yd wide03/03/2020

    Ensor, Putnam County

    19 deaths, 87 injured, $100M damage

    What happened

    An historic, violent EF-4 tornado began in western Putnam County northwest of Baxter and tracked eastward for over 8 miles before lifting near downtown Cookeville, damaging or destroying dozens of homes and businesses, killing 19 people, and injuring 88 others. The tornado began 2.5 miles northwest of Baxter along Highway 70 where it caused EF-0 damage to several homes and outbuildings. Scattered trees were blown down as the tornado continued eastward across Gainesboro Highway. The tornado quickly intensified to EF-2 in the Prosperity Pointe subdivision just north of Highway 70 and further strengthened to EF-3 as it crossed Bloomington Road and Clemmons Road in the Double Springs community, severely damaging several homes. As the tornado moved across Charleston Square, Plunk Whitson Road, and North McBloom Chapel Road, it intensified even more and produced a 0.8 mile long by 100 yards wide swath of EF-4 damage. 17 well-constructed, large homes in this area were completely leveled, mostly on Hensley Drive, with many deaths occurring in this area. EF-4 damage continued eastward to Echo Valley Drive, where an apartment complex and 5 more homes were completely destroyed. The...

  • Flash Flood08/21/2021

    Pigeon Roost, Humphreys County

    19 deaths, $100M damage

    What happened

    An historic, devastating flash flood struck the city of Waverly along the Trace Creek river basin. A fast-moving flood wave traveling westward down Trace Creek caused flood waters to rise several feet in roughly a 10 minute timespan between 1000am to 1010am CDT, flooding hundreds of homes, businesses, and churches, some of which were washed off their foundations. News reports and information from the Tennessee Emergency Management Agency indicated a total of 523 homes were impacted by the flooding, with 272 totally destroyed, 168 with major damage, 31 with minor damage, and 20 affected. 44 businesses and 8 public facilities were also damaged, including the Waverly Elementary School and Waverly Junior High School which will have to be torn down are rebuilt in a different location. Dozens of cars were also washed away and deposited long distances downstream, and many of the roadway bridges than spanned Trace Creek were knocked off their pilings and heavily damaged. TEMA reported damage to roads and schools alone totaled $31,844,911, with an additional estimated $60-70 million in damage to homes and businesses. 19 people were killed in Waverly, along with 1 other who died in...

  • TornadoEF3, 24.55 mi path, 1,400 yd wide04/01/2023

    Rose Creek, Mcnairy County

    9 deaths, 21 injured, $20M damage

    What happened

    This tornado crossed from Hardeman County into McNairy County and moved east-northeast along Skipper Creek, intensifying as it moved into the Rose Creek area. A swath of significant damage was surveyed along Rose Creek Road from Talley Road to King Road. Tree damage was widespread and several homes were severely damaged. A single-wide manufactured home was destroyed on Rose Creek Road, killing all four occupants. Maximum wind speeds in this area were estimated at 125 mph. The tornado briefly weakened as it approached Highway 64 west of Selmer. Widespread tree damage and sporadic damage to structures were noted along Bud Long Road, Highway 64, and John Moore Road, with several utility poles snapped along Highway 64. A church was damaged at Highway 45 and Dowty Road. The glass in the foyer was blown out and some damage to the siding was observed. Just north of the church, a metal building was destroyed and several utility poles were snapped. More significant damage was noted along Main Street just south of Hopkins Street in the Bethel Springs area. Several homes sustained significant damage. This is the same area affected by a tornado a few hours prior with a few of these...

  • TornadoEF3, 11.3 mi path, 600 yd wide12/09/2023

    Woodlawn, Montgomery County

    4 deaths, 62 injured, $20M damage

    What happened

    This EF-3 tornado first touched down on Fort Campbell just north of the Sabre Airfield with mostly minor tree damage. It quickly intensified as it crossed Walnut Grove Road and destroyed a building next to a church. The tornado then continued northeast and damaged dozens of homes in a neighborhood along Garrettsburg Road near Purple Heart Highway. The tornado then went through a heavily wooded neighborhood south of Britton Springs Road where dozens of mobile and manufactured homes were destroyed. The tornado crossed into another neighborhood, causing heavy damage in and near Eva Drive with several houses shifted off their foundations that were only attached with straight nails (EF-2 damage). The tornado intensified to EF-3 with maximum winds of 140 mph as it crossed Highway 41 and struck several commercial businesses, including a vacant fast food restaurant and strip mall where only the interior remained. Just east of Highway 41 north of Ringgold Road, another neighborhood was struck with several homes sustaining significant damage. As the tornado continued northeast, it strengthened further to EF-3 with maximum winds of 150 mph, destroying four two-story brick and vinyl siding...

Flood insurance

National Flood Insurance Program policies and claims

18,014 homes in Tennessee have flood insurance, about 0.7% of residential buildings. In high-risk flood zones, 10,286 of 41,905 homes (25%) are insured.

Flood claims paid per year in Tennessee
  • Late spring storms$231M · 4,559 claims
  • Tennessee Flooding$16.4M · 132 claims
  • Hurricane Helene$15.4M · 199 claims
  • Heavy rains$13.8M · 654 claims
  • Central U.S. April Flooding$7.8M · 198 claims
  • Mid-spring storms$7.6M · 315 claims

Drinking water

445 community water systems serve about 7,927,701 people

Since 2021, 50 systems reported 169 health-based violations. 146 systems had a violation of any kind still open at last report. These had the most:

  • Warren County U.d. #2Serves 5,611 · Surface water · Local government30 health violations
  • Jackson County U.d. #3Serves 3,917 · Purchased surface water · Local government17 health violations+7 monitoring or reporting
  • Clifton Water DeptServes 4,110 · Surface water · Local government11 health violations+1 monitoring or reporting
  • Bedford County U.d.Serves 23,641 · Surface water · Local government8 health violations+1 monitoring or reporting
  • Woodlawn Utility DistrictServes 12,714 · Surface water · Local government7 health violations+3 monitoring or reporting
  • Tracy City Water SystemServes 5,692 · Surface water · Local government7 health violations+3 monitoring or reporting
  • Hartsville-Trousdale W&s U.d.Serves 10,562 · Surface water · Local government6 health violations+3 monitoring or reporting
  • Lakeview U.d. WestServes 2,684 · Purchased surface water · Local government6 health violations

Select a county above to see every system that serves it.

Climate in the largest cities

1991-2020 normals from the nearest NOAA weather station

CityJuly highJan lowRainSnow
Nashville89°F28°F53.2 in-
Memphis92°F33°F54.9 in2.7 in
Knoxville88°F26°F55.8 in-
Chattanooga91°F32°F55.0 in3.6 in
Clarksville90°F28°F53.5 in0.5 in
Murfreesboro89°F28°F55.9 in2.2 in
Franklin91°F29°F53.8 in1.7 in
Johnson City86°F26°F48.0 in6.0 in

Pollution sites

26 Superfund sites and 630 toxic release facilities

Superfund sites

All 26 in Tennessee

Largest toxic releases

All 630 in Tennessee

Facilities in Tennessee reported 76.3 million lbs of toxic releases in 2024, 18.9 million lbs of it into the air.

Frequently asked questions

What is the biggest natural hazard in Tennessee?
By expected annual loss, earthquake costs the most in Tennessee ($746M a year), according to FEMA's National Risk Index.
How many storms hit Tennessee each year?
NOAA recorded 42,614 storm events in Tennessee since 1996, about 1,375 a year. The most common type is thunderstorm wind.
How many homes in Tennessee have flood insurance?
18,014 residential flood insurance policies are in force in Tennessee. Since 1978 the National Flood Insurance Program has paid $480M on 17,624 claims here.
How many Superfund sites are in Tennessee?
Tennessee has 26 Superfund sites on or deleted from EPA's National Priorities List.

Source: FEMA, NOAA, EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch each county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.