Natural Disasters in Gray, TN
Hazard risk, disaster history, and FEMA data
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
61.2
Relatively Low
Expected Annual Loss
64.6
Score (0-100)
Social Vulnerability
36.8
Score (0-100)
Community Resilience
71.9
Score (0-100)
Top Hazard Risks
| Hazard | Risk Score |
|---|---|
| Landslide | 87.9 |
| Strong Wind | 87.5 |
| Lightning | 87.2 |
| Earthquake | 84.0 |
| Ice Storm | 64.7 |
| Hurricane | 55.9 |
| Cold Wave | 52.0 |
| Tornado | 50.1 |
| Drought | 48.2 |
| Wildfire | 42.8 |
| Winter Weather | 38.9 |
| Hail | 37.9 |
| Heat Wave | 16.8 |
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
15
Most Recent
Winter Storm
Jan 2026
Most Common Type
Severe Storm
5 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 |
| Sep 27, 2024 | Tropical Storm | TROPICAL STORM HELENE |
| Mar 8, 2023 | Winter Storm | SEVERE WINTER STORM |
| Apr 24, 2020 | Severe Storm | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING |
| 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 |
| Aug 15, 2001 | Severe Storm | SEVERE STORMS AND FLOODING |
| Jan 13, 1998 | Severe Storm | SEVERE STORMS AND FLOODING |
| Mar 14, 1993 | Snowstorm | SEVERE SNOWFALL, WINTER STORM |
| Nov 12, 1977 | Flood | SEVERE STORMS & FLOODING |
| Mar 21, 1973 | Flood | HEAVY RAINS & FLOODING |
Individual Assistance
Source: FEMA Housing AssistanceTotal IA Registrations
2,190
Total IA Distributed
$9,403,664
Repair/Replace
$2,361,460
Rental Assistance
$127,780
| Disaster | Registrations | Total IA $ | Avg Damage |
|---|---|---|---|
| DR-4609 | 1 | N/A | — |
| DR-4601 | 1 | N/A | — |
| DR-4514 | 1,022 | $5,760,392 | — |
| DR-4832 | 1,070 | $3,618,322 | $3,558 |
| DR-1974 | 95 | $20,051 | $719 |
| DR-1464 | 1 | $4,900 | — |
Individual and household assistance for homeowners and renters affected by federally declared disasters.
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
151
Total Claims Paid
$6,014,157
Avg Claim Payout
$39,829
County-level NFIP data from FEMA National Flood Insurance Program.
Disaster Recovery Spending
Source: FEMA Public AssistanceTotal Federal Spending
$67,663,766
Disasters with PA
6
Total Projects
109
| Disaster | Type | Projects | Federal $ |
|---|---|---|---|
| DR-4832 | Tropical Storm | 48 | $55,307,917 |
| DR-4514 | Biological | 15 | $10,989,859 |
| DR-1974 | Severe Storm(s) | 9 | $593,773 |
| DR-4691 | Winter Storm | 6 | $360,405 |
| DR-1387 | Severe Storm(s) | 27 | $309,602 |
| DR-4541 | Severe Storm(s) | 4 | $102,211 |
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
4
Federal Funding
$172,747
Avg Benefit-Cost Ratio
0.00
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 91.1: Local Multihazard Mitigation Plan | 3 | $167,748 |
| 205.8: Retrofitting Public Structures - Wind | 1 | $4,999 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Gray has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are landslide, strong wind, lightning. The area has had 15 federal disaster declarations. The most common disaster type is severe storm (5 declarations). 151 flood insurance claims have been filed in the area. FEMA has obligated $67,663,766 in public assistance recovery funding. $9,403,664 has been distributed in individual assistance to disaster-affected residents. 4 hazard mitigation projects have been funded to reduce future risk.