Natural Disasters in Gates, TN

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

71.6

Relatively Low

Expected Annual Loss

61.2

Score (0-100)

Social Vulnerability

87.9

Score (0-100)

Community Resilience

40.0

Score (0-100)

Top Hazard Risks

Earthquake95.5Tornado84.4Ice Storm82.7

Hazard	Risk Score
Earthquake	95.5
Tornado	84.4
Ice Storm	82.7
Heat Wave	80.0
Landslide	72.5
Cold Wave	68.3
Winter Weather	66.2
Drought	64.8
Lightning	64.4
Hurricane	50.1
Strong Wind	28.1
Hail	23.8
Wildfire	19.1

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

13 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
Mar 11, 2022	Severe Storm	SEVERE WINTER STORM
Apr 2, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
Apr 17, 2019	Flood	SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES
May 9, 2011	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING
May 4, 2010	Severe Storm	SEVERE STORMS, FLOODING, STRAIGHT-LINE WINDS, AND TORNADOES
Sep 5, 2005	Hurricane	HURRICANE KATRINA EVACUATION
May 8, 2003	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Mar 20, 2003	Severe Storm	SEVERE STORMS AND FLOODING
Apr 5, 2002	Severe Storm	SEVERE STORMS AND FLOODING
Jan 19, 1999	Severe Storm	SEVERE STORMS, TORNADOES AND HIGH WINDS
Apr 20, 1998	Severe Storm	SEVERE STORMS, TORNADOES AND FLOODING
Mar 7, 1997	Tornado	HEAVY RAINS, TORNADOES, FLOODING, HAIL, HIGH WINDS
Jun 14, 1995	Tornado	TORNADOES
Feb 28, 1994	Severe Storm	SEVERE WINTER ICE STORM,FLASH FLOODING
Jan 4, 1991	Flood	SEVERE STORMS & FLOODING

Showing 20 of 23 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

Total IA Distributed

$270,351

Repair/Replace

$131,337

Rental Assistance

$34,810

Disaster	Registrations	Total IA $	Avg Damage
DR-1909	18	$111,720	$5,898
DR-1979	23	$84,585	$3,745
DR-4514	9	$53,094	—
DR-1464	7	$20,952	$1,164

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

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

323

Total Claims Paid

$4,610,531

Avg Claim Payout

$14,274

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

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$2,687,374

Disasters with PA

Total Projects

120

Disaster	Type	Projects	Federal $
DR-4878	Severe Storm(s)	6	$1,087,487
DR-1979	Severe Storm(s)	21	$374,960
DR-4427	Severe Storm(s)	16	$289,952
DR-1456	Severe Storm(s)	4	$278,622
DR-1909	Severe Storm(s)	36	$257,854
DR-1464	Severe Storm(s)	13	$131,062
DR-1408	Severe Storm(s)	6	$81,609
DR-1262	Severe Storm(s)	13	$75,996
DR-4712	Severe Storm(s)	3	$66,022
DR-4645	Winter Storm	2	$43,810

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$3,107,989

Properties Protected

Avg Benefit-Cost Ratio

21.39

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
206.1: Safe Room (Tornado and Severe Wind Shelter) - Private Structures	2	$2,046,387
206.2: Safe Room (Tornado and Severe Wind Shelter) - Public Structures	1	$1,061,602

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

Gates has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are earthquake, tornado, ice storm. The area has had 23 federal disaster declarations. The most common disaster type is severe storm (13 declarations). 323 flood insurance claims have been filed in the area. FEMA has obligated $2,687,374 in public assistance recovery funding. $270,351 has been distributed in individual assistance to disaster-affected residents. 3 hazard mitigation projects have been funded to reduce future risk.