Natural Disasters in Alcoa, TN

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

74.2

Relatively Low

Expected Annual Loss

77.6

Score (0-100)

Social Vulnerability

24.9

Score (0-100)

Community Resilience

50.4

Score (0-100)

Top Hazard Risks

Landslide96.4Earthquake93.1Lightning90.1

Hazard	Risk Score
Landslide	96.4
Earthquake	93.1
Lightning	90.1
Ice Storm	74.3
Cold Wave	73.5
Winter Weather	70.8
Wildfire	69.4
Tornado	67.4
Strong Wind	65.1
Hurricane	55.6
Heat Wave	42.3
Hail	39.9
Drought	34.1

Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.

Disaster Declarations

Source: FEMA OpenFEMA

Total Declarations

Most Recent

Winter Storm

Jan 2026

Most Common Type

Severe Storm

6 declarations

Date	Type	Declaration
Jan 24, 2026	Winter Storm	SEVERE WINTER STORM
Apr 2, 2025	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING
Apr 2, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
Apr 17, 2019	Flood	SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES
Jun 23, 2017	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING
Nov 19, 2016	Fire	EAST MILLER COVE FIRE
Apr 2, 2015	Severe Ice Storm	SEVERE WINTER STORM AND FLOODING
May 1, 2011	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND ASSOCIATED FLOODING
Sep 5, 2005	Hurricane	HURRICANE KATRINA EVACUATION
May 8, 2003	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Apr 5, 2002	Severe Storm	SEVERE STORMS AND FLOODING
Apr 20, 1998	Severe Storm	SEVERE STORMS, TORNADOES AND FLOODING
Apr 14, 1994	Flood	EXTENSIVE RAINFALL AND FLASH FLOODING
Mar 14, 1993	Snowstorm	SEVERE SNOWFALL, WINTER STORM
Apr 4, 1974	Tornado	TORNADOES
Mar 21, 1973	Flood	HEAVY RAINS & FLOODING

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

2,020

Total IA Distributed

$4,185,283

Repair/Replace

$499,813

Rental Assistance

$119,221

Disaster	Registrations	Total IA $	Avg Damage
DR-4293	1	N/A	—
DR-1745	1	N/A	—
DR-4514	643	$3,452,164	—
DR-1974	1,291	$659,993	$1,054
DR-1464	84	$73,127	$2,333

Individual and household assistance for homeowners and renters affected by federally declared disasters.

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

Total Claims Paid

$1,255,943

Avg Claim Payout

$20,932

County-level NFIP data from FEMA National Flood Insurance Program.

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$9,170,579

Disasters with PA

Total Projects

Disaster	Type	Projects	Federal $
DR-4514	Biological	8	$6,232,752
DR-4320	Severe Storm(s)	12	$1,288,025
DR-4211	Severe Ice Storm	5	$684,658
DR-1408	Severe Storm(s)	32	$427,278
DR-1974	Severe Storm(s)	20	$324,419
DR-4427	Severe Storm(s)	7	$172,276
DR-3217	Hurricane	1	$41,171

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$17,224

Avg Benefit-Cost Ratio

0.45

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
91.1: Local Multihazard Mitigation Plan	2	$17,224
601.2: Generators - Regular	1	$0

Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.

Alcoa has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are landslide, earthquake, lightning. The area has had 17 federal disaster declarations. The most common disaster type is severe storm (6 declarations). 60 flood insurance claims have been filed in the area. FEMA has obligated $9,170,579 in public assistance recovery funding. $4,185,283 has been distributed in individual assistance to disaster-affected residents. 3 hazard mitigation projects have been funded to reduce future risk.