Natural Disasters in Ardmore, TN

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

58.9

Relatively Low

Expected Annual Loss

53.2

Score (0-100)

Social Vulnerability

68.4

Score (0-100)

Community Resilience

24.0

Score (0-100)

Top Hazard Risks

Tornado85.6Earthquake80.4Strong Wind79.2

Hazard	Risk Score
Tornado	85.6
Earthquake	80.4
Strong Wind	79.2
Cold Wave	71.0
Drought	70.5
Winter Weather	59.9
Ice Storm	59.8
Lightning	56.4
Hurricane	53.8
Heat Wave	50.0
Landslide	39.2
Hail	35.3
Wildfire	15.5

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

14 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
Jun 17, 2024	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
May 17, 2023	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADO
Apr 7, 2023	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES
Apr 2, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
Apr 17, 2019	Flood	SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES
Apr 2, 2015	Severe Ice Storm	SEVERE WINTER STORM AND FLOODING
Aug 13, 2014	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING
May 1, 2011	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND ASSOCIATED FLOODING
May 4, 2010	Severe Storm	SEVERE STORMS, FLOODING, STRAIGHT-LINE WINDS, AND TORNADOES
Sep 5, 2005	Hurricane	HURRICANE KATRINA EVACUATION
Oct 7, 2004	Severe Storm	SEVERE STORMS AND FLOODING
May 8, 2003	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Apr 5, 2002	Severe Storm	SEVERE STORMS AND FLOODING
Jan 19, 1999	Severe Storm	SEVERE STORMS, TORNADOES AND HIGH WINDS
Jan 15, 1999	Severe Storm	SEVERE WINTER STORM
Apr 20, 1998	Severe Storm	SEVERE STORMS, TORNADOES AND FLOODING
Feb 28, 1994	Severe Storm	SEVERE WINTER ICE STORM,FLASH FLOODING

Showing 20 of 23 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

173

Total IA Distributed

$76,683

Repair/Replace

$3,263

Rental Assistance

$2,252

Disaster	Registrations	Total IA $	Avg Damage
DR-1549	1	N/A	—
DR-1979	10	N/A	$203
DR-1974	1	N/A	—
DR-4514	10	$56,774	—
DR-1971	149	$10,309	$96
DR-4503	1	$8,924	—
DR-1909	1	$675	$729

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

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

Total Claims Paid

$457,221

Avg Claim Payout

$15,241

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

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$1,477,464

Disasters with PA

Total Projects

Disaster	Type	Projects	Federal $
DR-1909	Severe Storm(s)	12	$304,120
DR-4427	Severe Storm(s)	4	$173,789
DR-1464	Severe Storm(s)	33	$168,563
DR-1408	Severe Storm(s)	24	$156,940
DR-4189	Severe Storm(s)	3	$137,759
DR-4211	Severe Ice Storm	2	$132,087
DR-1260	Severe Storm(s)	2	$123,915
DR-1974	Severe Storm(s)	3	$76,895
DR-4792	Severe Storm(s)	2	$72,763
DR-1262	Severe Storm(s)	6	$62,539
DR-4514	Biological	4	$60,216
DR-1568	Severe Storm(s)	1	$7,878

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$296,377

Properties Protected

Avg Benefit-Cost Ratio

2.79

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
91.1: Local Multihazard Mitigation Plan	2	$118,836
602.1: Other Equipment Purchase and Installation	1	$16,500
91.5: Local Multijurisdictional Multihazard Mitigation Plan - UPDATE	1	$18,891
200.1: Acquisition of Private Real Property (Structures and Land) - Riverine	1	$142,150
206.2: Safe Room (Tornado and Severe Wind Shelter) - Public Structures	1	$0

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

Ardmore has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are tornado, earthquake, strong wind. The area has had 23 federal disaster declarations. The most common disaster type is severe storm (14 declarations). 30 flood insurance claims have been filed in the area. FEMA has obligated $1,477,464 in public assistance recovery funding. $76,683 has been distributed in individual assistance to disaster-affected residents. 6 hazard mitigation projects have been funded to reduce future risk.