Natural Disasters in Bluff City, TN
Hazard risk, disaster history, and FEMA data
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
71.5
Relatively Low
Expected Annual Loss
71.1
Score (0-100)
Social Vulnerability
44.8
Score (0-100)
Community Resilience
40.2
Score (0-100)
Top Hazard Risks
| Hazard | Risk Score |
|---|---|
| Landslide | 94.4 |
| Earthquake | 87.2 |
| Strong Wind | 86.9 |
| Lightning | 85.6 |
| Winter Weather | 57.6 |
| Hurricane | 54.7 |
| Cold Wave | 48.8 |
| Tornado | 47.2 |
| Wildfire | 36.5 |
| Hail | 36.0 |
| Drought | 28.7 |
| Ice Storm | 27.5 |
| Heat Wave | 18.5 |
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 OpenFEMATotal Declarations
11
Most Recent
Winter Storm
Jan 2026
Most Common Type
Severe Storm
3 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 |
| Oct 2, 2024 | Tropical Storm | TROPICAL STORM HELENE |
| Apr 2, 2020 | Biological | COVID-19 PANDEMIC |
| Mar 13, 2020 | Biological | COVID-19 |
| May 1, 2011 | Severe Storm | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND ASSOCIATED FLOODING |
| Sep 5, 2005 | Hurricane | HURRICANE KATRINA EVACUATION |
| Jan 13, 1998 | Severe Storm | SEVERE STORMS AND 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 AssistanceTotal IA Registrations
655
Total IA Distributed
$807,636
Repair/Replace
$143,051
Rental Assistance
$28,745
| Disaster | Registrations | Total IA $ | Avg Damage |
|---|---|---|---|
| DR-4832 | 568 | $402,609 | $1,670 |
| DR-4514 | 81 | $396,418 | — |
| DR-1464 | 1 | $4,900 | — |
| DR-1974 | 5 | $3,710 | $927 |
Individual and household assistance for homeowners and renters affected by federally declared disasters.
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
197
Total Claims Paid
$1,978,928
Avg Claim Payout
$10,045
County-level NFIP data from FEMA National Flood Insurance Program.
Disaster Recovery Spending
Source: FEMA Public AssistanceTotal Federal Spending
$4,024,543
Disasters with PA
3
Total Projects
38
| Disaster | Type | Projects | Federal $ |
|---|---|---|---|
| DR-4832 | Tropical Storm | 11 | $3,485,942 |
| DR-1974 | Severe Storm(s) | 23 | $399,475 |
| DR-4514 | Biological | 4 | $139,126 |
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
8
Federal Funding
$1,193,713
Properties Protected
17
Avg Benefit-Cost Ratio
0.77
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 200.1: Acquisition of Private Real Property (Structures and Land) - Riverine | 5 | $1,079,771 |
| 91.1: Local Multihazard Mitigation Plan | 3 | $113,942 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Bluff City has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are landslide, earthquake, strong wind. The area has had 11 federal disaster declarations. The most common disaster type is severe storm (3 declarations). 197 flood insurance claims have been filed in the area. FEMA has obligated $4,024,543 in public assistance recovery funding. $807,636 has been distributed in individual assistance to disaster-affected residents. 8 hazard mitigation projects have been funded to reduce future risk.