STATE RISK ROLL-UP
Tennessee
Across 95 counties, FEMA rates 2 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.
How the counties rate
Baixo81
Moderado12
Elevado2
Alto0
Dominant hazards
The hazards most often rated elevated or higher across Tennessee's counties:
- Raios — 19 counties
- Ventos fortes — 15 counties
- Tempestade de gelo — 13 counties
- Tornado — 12 counties
Highest-risk counties
| County | FEMA composite | Score |
|---|---|---|
| Shelby County | Relativamente elevado | 99 |
| Davidson County | Relativamente elevado | 97 |
| Hamilton County | Relativamente moderado | 93 |
| Knox County | Relativamente moderado | 92 |
| Madison County | Relativamente moderado | 92 |
| Rutherford County | Relativamente moderado | 92 |
State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.
FEMA National Risk Index · as of 2026-07-10