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

Low81

Moderate12

Elevated2

High0

Dominant hazards

The hazards most often rated elevated or higher across Tennessee's counties:

Tornado — 12 counties
Winter weather — 7 counties
Flooding — 4 counties
Earthquake — 3 counties

Highest-risk counties

County	FEMA composite	Score
Shelby County	Relatively High	99
Davidson County	Relatively High	97
Hamilton County	Relatively Moderate	93
Knox County	Relatively Moderate	92
Madison County	Relatively Moderate	92
Rutherford County	Relatively Moderate	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.

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FEMA National Risk Index · as of 2026-07-08