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Risk: Very Low

Sequatchie County, TN Environment & Hazard Risk

Very Low natural hazard risk, led by cold wave. 260 storm events since 1996.

Expected yearly loss
$11M
Very Low nationally
Storm events since 1996
260
Most often thunderstorm wind
Flood insurance policies
31
0.4% of homes
Hurricanes nearby
0
1 tropical storm or stronger since 1995

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 40.2 of 100

Social vulnerability

Relatively Moderate

Score 54.2 of 100

Community resilience

Relatively Low

Score 20.2 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $2.5B · Agriculture value exposed: $8.8M · Risk-adjusted yearly loss: $13.1M

Risk by hazard

  • Cold waveRelatively Moderate$5.4M/yr expected annual loss, about 1.0 events a year
  • LandslideRelatively Low$5,826/yr expected annual loss, about once every 2 years
  • EarthquakeVery Low$271K/yr expected annual loss, about once every 311 years
  • WildfireVery Low$44.2K/yr expected annual loss, about once every 299 years
  • TornadoRelatively Low$992K/yr expected annual loss, about once every 6 years
  • Winter weatherRelatively Low$45.7K/yr expected annual loss, about 5.5 events a year
  • Strong windRelatively Low$361K/yr expected annual loss, about 4.9 events a year
  • LightningRelatively Low$102K/yr expected annual loss, about 62 events a year
  • DroughtVery Low$22.9K/yr expected annual loss, about 24 events a year
  • HurricaneVery Low$7,560/yr expected annual loss, about once every 87 years
  • Ice stormVery Low$19.6K/yr expected annual loss, about once every 2 years
  • Heat waveVery Low$37.3K/yr expected annual loss, about 1.5 events a year
  • HailVery Low$27.8K/yr expected annual loss, about 3.5 events a year

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
31 of 6,996 (0.4%)
Homes in high-risk flood zones
211
Insured in high-risk zones
27 (13%)
Flood claims since 1978
20
Claims paid since 1978
$134K

Flood claims paid per year

Flood claims paid per year in Sequatchie County
Beta
  • Heavy rains$60.9K · 3 claims

Storm history

Since 1996: 260 events, 2 deaths, $7.6M in damage

  • Thunderstorm Wind138
  • Hail38
  • Heavy Snow20
  • Winter Storm16
  • Flash Flood16
  • Flood10 · 1 death
  • Tornado8
  • Ice Storm3
  • Funnel Cloud3
  • Heavy Rain2
Beta

Events per year

Storm events per year in Sequatchie County
1
6
14
9
20
5
2
8
11
8
6
7
3
4
7
7
10
6
9
3
Beta

10 tornadoes on record (EF0 1, EF1 2, EF2 3, EF4 1, F2 3).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flood04/28/2011

    Dunlap, Sequatchie County

    1 death, $10K damage

    What happened

    Law enforcement personnel reported thunderstorms produced flooding on Hwy 127 in Dunlap. A middle aged man, who was intoxicated, jumped into the high water, drowned and was later found 60 yards downstream.

  • Cold/Wind Chill02/16/2015

    Sequatchie

    1 death

    What happened

    Emergency manager reported a 85 year old male died. It was hypothermia related.

  • Flash Flood05/06/2003

    Countywide, Sequatchie County

    $5.6M damage

    What happened

    Widespread flooding, road closures, damage, evacuations.

  • TornadoEF2, 7.59 mi path, 350 yd wide11/30/2016

    Cartwright, Sequatchie County

    2 injured

    What happened

    A tornado formed in far northern Marion County, about one half mile from the Sequatchie County border and quickly intensified to a strong EF-2 tornado with winds of 130 mph as it crossed into Sequatchie County. A double wide mobile home was completely destroyed and an adjacent church roof was heavily damaged. The tornado passed through a grove of trees snapping nearly all of them halfway up the trunk. The strong tornado passed through a farm and caused significant damage to a two story family home. This part of the tornado path was determined to be at the high end of the EF-2 rating. As the tornado continued along a northeasterly track, two additional homes were heavily damaged before moving along an unpopulated ridge. The tornado likely skipped along this ridge as it crossed Highway 127 and then crossed Highway 111. A mobile home roof was completely removed near the corner of Shell Road and Tri Mile Road along with numerous trees that were either uprooted or snapped. The damage track seemed to end near Snow Bird Lane and Raven Cliff Road. Rear flank downdraft damage was noted farther east along Lewis Chapel Road to about Laurelwood Trail. Major roof damage was seen along...

  • Thunderstorm Wind60 kt wind07/22/2006

    Dunlap, Sequatchie County

    1 injured, $1,000 damage

    What happened

    High winds picked up a yard sale tent and a pole supporting the tent crashed through a truck window into the leg of the driver near Ewtonville Baptist Church on U.S. Highway 127.

  • TornadoEF4, 7.86 mi path, 880 yd wide04/28/2011

    Daus, Sequatchie County

    $250K damage

    What happened

    New Harmony Tornado. A NWS storm survey reported an EF2 tornado initially developed near Dunlap. It tracked northeast across Sequatchie, Bledsoe and into Rhea County. It had a path length of 7.9 miles in Sequatchie county and a 1/2 mile path width. Numerous trees and powerlines were downed and a few homes suffered some damage. The tornado intensified to an EF4 in Bledsoe County. While in Sequatchie County...the tornado initially started on a more northerly track then turned to almost straight northeast at about 35.377N/85.380W.

Drinking water

3 community water systems serve about 13,789 people. Violations since 2021.

None of the systems serving this county had a health-based violation in this period.

  • Dunlap Water SystemServes 9,782 · Surface water · Local governmentNo health violations+9 monitoring or reporting
  • Cagle-Fredonia U.d.Serves 3,363 · Purchased surface water · Local governmentNo health violations+5 monitoring or reporting
  • Lone Oak Utility DistrictServes 644 · Purchased groundwater · PrivateNo health violations+3 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 0 toxic release facilities in Sequatchie County

No Superfund sites or toxic release facilities in Sequatchie County in our data.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk5 historic places

Frequently asked questions

How risky is Sequatchie County for natural disasters?
FEMA rates Sequatchie County very low for overall natural hazard risk, with expected losses of $11M a year. The highest-rated hazards are cold wave (relatively moderate), landslide (relatively low), earthquake (very low).
What storms are most common in Sequatchie County?
Since 1996, NOAA recorded 260 storm events affecting Sequatchie County, most often thunderstorm wind (138), hail (38), heavy snow (20).
How many tornadoes have hit Sequatchie County?
10 tornadoes have been recorded in Sequatchie County since 1950, including 1 rated F3/EF3 or stronger.
How many homes in Sequatchie County have flood insurance?
31 residential flood insurance policies are in force in Sequatchie County, covering about 0.4% of homes. The program has paid $134K on 20 claims here since 1978.
What is the weather like in Sequatchie County?
At Whitwell-Sequatchie Vly, average highs reach 88°F in Aug and lows fall to 32°F in Jan, with 63.7 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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