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
| County | Overall risk | Top hazard | Flood policies | Flood claims paid |
|---|---|---|---|---|
| Shelby County | High | Cold wave | 1,978 | $25.1M |
| Davidson County | High | Earthquake | 3,818 | $186M |
| Hamilton County | Moderate | Tornado | 1,269 | $30.3M |
| Knox County | Moderate | Lightning | 772 | $7.9M |
| Madison County | Moderate | Earthquake | 166 | $3.4M |
| Rutherford County | Moderate | Cold wave | 1,067 | $7.1M |
| Sumner County | Moderate | Tornado | 598 | $14.4M |
| Montgomery County | Moderate | Earthquake | 254 | $11M |
| Dyer County | Moderate | Earthquake | 179 | $7.3M |
| Gibson County | Moderate | Earthquake | 114 | $3.2M |
| Williamson County | Moderate | Cold wave | 1,284 | $31.1M |
| Henry County | Moderate | Cold wave | 97 | $319K |
| Obion County | Moderate | Earthquake | 130 | $3.9M |
| Tipton County | Moderate | Earthquake | 136 | $5.2M |
| Wilson County | Low | Cold wave | 611 | $11.2M |
| Maury County | Low | Tornado | 168 | $3.3M |
| Sevier County | Low | Landslide | 426 | $4.1M |
| Fayette County | Low | Earthquake | 75 | $830K |
| Blount County | Low | Landslide | 251 | $1.3M |
| Weakley County | Low | Earthquake | 25 | $73.9K |
| Bradley County | Low | Earthquake | 211 | $2.2M |
| Anderson County | Low | Landslide | 98 | $262K |
| Carroll County | Low | Earthquake | 8 | $521K |
| Lauderdale County | Low | Earthquake | 67 | $4.6M |
| Sullivan County | Low | Landslide | 266 | $2M |
| Hardin County | Low | Landslide | 152 | $3.9M |
| Lawrence County | Low | Tornado | 27 | $715K |
| Bedford County | Low | Cold wave | 39 | $332K |
| Roane County | Low | Landslide | 99 | $522K |
| Loudon County | Low | Earthquake | 72 | $510K |
| Cumberland County | Low | Cold wave | 22 | $7,780 |
| Putnam County | Low | Lightning | 62 | $1.2M |
| Haywood County | Low | Earthquake | 80 | $1.5M |
| Coffee County | Low | Earthquake | 89 | $171K |
| Warren County | Low | Tornado | 28 | $311K |
| Carter County | Low | Landslide | 361 | $5.3M |
| Henderson County | Low | Earthquake | 14 | $551K |
| Hardeman County | Low | Earthquake | 4 | $12.3K |
| Washington County | Low | Landslide | 204 | $6.1M |
| Giles County | Low | Strong wind | 103 | $457K |
| Monroe County | Low | Landslide | 54 | $257K |
| Robertson County | Low | Earthquake | 52 | $2.2M |
| McMinn County | Low | Earthquake | 25 | $351K |
| Lincoln County | Low | Tornado | 39 | $659K |
| Marion County | Low | Strong wind | 91 | $1.2M |
| Campbell County | Low | Landslide | 51 | $710K |
| Franklin County | Low | Earthquake | 58 | $223K |
| Greene County | Low | Landslide | 76 | $1.4M |
| Hawkins County | Low | Landslide | 54 | $108K |
| Cocke County | Low | Landslide | 173 | $5.8M |
| Dickson County | Low | Earthquake | 55 | $4M |
| Crockett County | Low | Earthquake | 11 | $446K |
| McNairy County | Low | Earthquake | 12 | $816K |
| Rhea County | Low | Landslide | 106 | $1.7M |
| Humphreys County | Low | Earthquake | 81 | $15.7M |
| Lake County | Low | Earthquake | 25 | $371K |
| Hickman County | Low | Earthquake | 45 | $4.6M |
| Hamblen County | Low | Earthquake | 63 | $275K |
| Cheatham County | Low | Earthquake | 251 | $25.7M |
| Marshall County | Low | Tornado | 102 | $527K |
| Jefferson County | Low | Landslide | 83 | $268K |
| Chester County | Low | Earthquake | 7 | $41.8K |
| Wayne County | Low | Earthquake | 56 | $1.8M |
| Claiborne County | Low | Landslide | 21 | $480K |
| Sequatchie County | Very Low | Cold wave | 31 | $134K |
| Benton County | Very Low | Earthquake | 34 | $511K |
| White County | Very Low | Winter weather | 11 | $53.4K |
| Decatur County | Very Low | Earthquake | 139 | $1.8M |
| Macon County | Very Low | Earthquake | 14 | $222K |
| Grundy County | Very Low | Cold wave | 13 | $35.7K |
| Perry County | Very Low | Earthquake | 65 | $2.5M |
| Polk County | Very Low | Landslide | 56 | $638K |
| Stewart County | Very Low | Earthquake | 29 | $572K |
| Fentress County | Very Low | Lightning | 4 | - |
| Johnson County | Very Low | Landslide | 104 | $2.2M |
| Scott County | Very Low | Landslide | 22 | - |
| DeKalb County | Very Low | Earthquake | 33 | $161K |
| Bledsoe County | Very Low | Landslide | 3 | - |
| Cannon County | Very Low | Tornado | 45 | $1.4M |
| Jackson County | Very Low | Landslide | 14 | $1.2M |
| Overton County | Very Low | Lightning | 11 | $159K |
| Morgan County | Very Low | Landslide | 9 | $58K |
| Smith County | Very Low | Landslide | 96 | $5.5M |
| Grainger County | Very Low | Landslide | 15 | $40.8K |
| Lewis County | Very Low | Earthquake | 14 | $477K |
| Clay County | Very Low | Landslide | 13 | $436K |
| Houston County | Very Low | Earthquake | 20 | $1.6M |
| Union County | Very Low | Landslide | 10 | $203K |
| Meigs County | Very Low | Landslide | 6 | $17.7K |
| Hancock County | Very Low | Landslide | 15 | $291K |
| Unicoi County | Very Low | Landslide | 136 | $1.3M |
| Moore County | Very Low | Tornado | 4 | - |
| Trousdale County | Very Low | Earthquake | 13 | $273K |
| Pickett County | Very Low | Landslide | 4 | $105K |
| Van Buren County | Very Low | Landslide | 16 | $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
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.
- 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
| City | July high | Jan low | Rain | Snow |
|---|---|---|---|---|
| Nashville | 89°F | 28°F | 53.2 in | - |
| Memphis | 92°F | 33°F | 54.9 in | 2.7 in |
| Knoxville | 88°F | 26°F | 55.8 in | - |
| Chattanooga | 91°F | 32°F | 55.0 in | 3.6 in |
| Clarksville | 90°F | 28°F | 53.5 in | 0.5 in |
| Murfreesboro | 89°F | 28°F | 55.9 in | 2.2 in |
| Franklin | 91°F | 29°F | 53.8 in | 1.7 in |
| Johnson City | 86°F | 26°F | 48.0 in | 6.0 in |
Pollution sites
26 Superfund sites and 630 toxic release facilities
Superfund sites
- Alamo Contaminated Ground WaterFinal NPL Site, Alamo
- American Creosote Works, Inc. (Jackson Plant)Final NPL Site, Jackson
- Arlington Blending & PackagingFinal NPL Site, Arlington
- Carrier Air Conditioning co.Final NPL Site, Collierville
- Clinch River CorporationFinal NPL Site, Harriman
- Former Custom CleanersFinal NPL Site, Memphis
- Mallory Capacitor co.Final NPL Site, Waynesboro
- Memphis Defense Depot (Dla)Final NPL Site, Memphis
Largest toxic releases
- Nyrstar Clarksville Inc14.3 million lbs, Clarksville
- Chemours Johnsonville Plant8.8 million lbs, New Johnsonville
- US Army Holston Army Ammunition Plant4.6 million lbs, Kingsport
- Befesa Zinc US Inc.3.8 million lbs, Rockwood
- Vibrantz Specialty Products LLC3.7 million lbs, New Johnsonville
- Eastman Chemical Co Tennessee Operations3.6 million lbs, Kingsport
- U.S. Tva Cumberland Fossil Plant3.6 million lbs, Cumberland City
- Nystar - Young Mine & Mill2.6 million lbs, New Market
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.