Natural Disasters in Beech Bluff, TN

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

92.1

Relatively Moderate

Expected Annual Loss

90.0

Score (0-100)

Social Vulnerability

72.9

Score (0-100)

Community Resilience

81.5

Score (0-100)

Top Hazard Risks

Earthquake98.2Tornado97.2Cold Wave96.8

Hazard	Risk Score
Earthquake	98.2
Tornado	97.2
Cold Wave	96.8
Heat Wave	91.6
Lightning	90.2
Strong Wind	88.2
Ice Storm	88.1
Landslide	80.2
Hurricane	62.2
Drought	55.2
Winter Weather	51.9
Wildfire	43.3
Hail	16.3

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

15 declarations

Date	Type	Declaration
Jan 24, 2026	Winter Storm	SEVERE WINTER STORM
Jun 19, 2025	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING
Apr 2, 2025	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING
May 17, 2023	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADO
May 8, 2021	Tornado	SEVERE STORMS, TORNADOES, AND FLOODING
Jul 9, 2020	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING
Apr 2, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
Aug 13, 2014	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING
Apr 11, 2014	Severe Ice Storm	SEVERE WINTER STORM
May 9, 2011	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, 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
Feb 7, 2008	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING
Sep 5, 2005	Hurricane	HURRICANE KATRINA EVACUATION
May 8, 2003	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Nov 13, 2002	Severe Storm	SEVERE STORMS AND TORNADOS
Jan 19, 1999	Severe Storm	SEVERE STORMS, TORNADOES AND HIGH WINDS
Apr 20, 1998	Severe Storm	SEVERE STORMS, TORNADOES AND FLOODING
Jan 13, 1998	Severe Storm	SEVERE STORMS AND FLOODING

Showing 20 of 23 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

238

Total IA Distributed

$421,485

Repair/Replace

$196,226

Rental Assistance

$59,016

Disaster	Registrations	Total IA $	Avg Damage
DR-1974	1	N/A	—
DR-1464	158	$339,560	$2,100
DR-1909	60	$68,797	$1,908
DR-4637	9	$5,359	$1,676
DR-1441	3	$3,129	$1,419
DR-4514	1	$2,455	—
DR-1745	6	$2,184	$394

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

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

173

Total Claims Paid

$3,431,052

Avg Claim Payout

$19,833

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

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$52,063,993

Disasters with PA

Total Projects

496

Disaster	Type	Projects	Federal $
DR-4514	Biological	11	$19,246,927
DR-1464	Severe Storm(s)	31	$17,119,784
DR-1909	Severe Storm(s)	237	$5,003,660
DR-1262	Severe Storm(s)	48	$2,659,784
DR-1745	Severe Storm(s)	30	$1,847,422
DR-1974	Severe Storm(s)	57	$1,276,286
DR-1979	Severe Storm(s)	20	$1,061,479
DR-4878	Severe Storm(s)	9	$699,403
DR-4189	Severe Storm(s)	7	$621,362
DR-4601	Severe Storm(s)	11	$588,140
DR-4712	Severe Storm(s)	8	$472,827
DR-4171	Severe Ice Storm	5	$405,876
DR-4832	Tropical Storm	2	$352,623
DR-4550	Severe Storm(s)	11	$350,029
DR-1441	Severe Storm(s)	5	$292,348

Showing top 15 of 18 disasters by spending

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$1,947,100

Properties Protected

102

Avg Benefit-Cost Ratio

15.86

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
206.2: Safe Room (Tornado and Severe Wind Shelter) - Public Structures	17	$94,110
200.1: Acquisition of Private Real Property (Structures and Land) - Riverine	4	$1,405,125
91.1: Local Multihazard Mitigation Plan	2	$56,551
205.8: Retrofitting Public Structures - Wind; 206.2: Safe Room (Tornado and Severe Wind Shelter) - Public Structures	1	$391,314
205.8: Retrofitting Public Structures - Wind	1	$0

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

Beech Bluff has a relatively moderate overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are earthquake, tornado, cold wave. The area has had 23 federal disaster declarations. The most common disaster type is severe storm (15 declarations). 173 flood insurance claims have been filed in the area. FEMA has obligated $52,063,993 in public assistance recovery funding. $421,485 has been distributed in individual assistance to disaster-affected residents. 26 hazard mitigation projects have been funded to reduce future risk.