Natural Disasters in Harrogate, TN
Hazard risk, disaster history, and FEMA data
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
42.8
Relatively Low
Expected Annual Loss
35.9
Score (0-100)
Social Vulnerability
69.8
Score (0-100)
Community Resilience
6.7
Score (0-100)
Top Hazard Risks
| Hazard | Risk Score |
|---|---|
| Landslide | 94.5 |
| Wildfire | 81.4 |
| Earthquake | 72.6 |
| Cold Wave | 71.4 |
| Winter Weather | 70.6 |
| Strong Wind | 59.5 |
| Lightning | 56.6 |
| Hail | 56.2 |
| Tornado | 47.8 |
| Hurricane | 43.4 |
| Ice Storm | 38.2 |
| Drought | 29.3 |
| Heat Wave | 9.8 |
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
20
Most Recent
Winter Storm
Jan 2026
Most Common Type
Severe Storm
8 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 |
| May 8, 2021 | Tornado | SEVERE STORMS, TORNADOES, AND FLOODING |
| 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 |
| Mar 16, 2012 | Severe Storm | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS AND |
| Jul 20, 2011 | Severe Storm | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND |
| Sep 5, 2005 | Hurricane | HURRICANE KATRINA EVACUATION |
| Mar 20, 2003 | Severe Storm | SEVERE STORMS AND FLOODING |
| Apr 5, 2002 | Severe Storm | SEVERE STORMS AND FLOODING |
| Jan 15, 1999 | Severe Storm | SEVERE WINTER STORM |
| Apr 20, 1998 | Severe Storm | SEVERE STORMS, TORNADOES AND FLOODING |
| Mar 14, 1993 | Snowstorm | SEVERE SNOWFALL, WINTER STORM |
| May 25, 1984 | Flood | SEVERE STORMS & FLOODING |
| Apr 29, 1977 | Flood | SEVERE STORMS & FLOODING |
| Mar 21, 1973 | Flood | HEAVY RAINS & FLOODING |
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
30
Total Claims Paid
$479,759
Avg Claim Payout
$15,992
County-level NFIP data from FEMA National Flood Insurance Program.
Disaster Recovery Spending
Source: FEMA Public AssistanceTotal Federal Spending
$3,661,492
Disasters with PA
8
Total Projects
159
| Disaster | Type | Projects | Federal $ |
|---|---|---|---|
| DR-4832 | Tropical Storm | 6 | $1,504,888 |
| DR-4005 | Severe Storm(s) | 118 | $1,369,000 |
| DR-4601 | Severe Storm(s) | 7 | $283,926 |
| DR-1456 | Severe Storm(s) | 8 | $212,947 |
| DR-4427 | Severe Storm(s) | 5 | $207,771 |
| DR-4189 | Severe Storm(s) | 5 | $58,244 |
| DR-1408 | Severe Storm(s) | 8 | $16,895 |
| DR-4211 | Severe Ice Storm | 2 | $7,821 |
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
1
Federal Funding
$156,311
Avg Benefit-Cost Ratio
6.59
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 403.1: Stormwater Management - Culverts | 1 | $156,311 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Harrogate has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are landslide, wildfire, earthquake. The area has had 20 federal disaster declarations. The most common disaster type is severe storm (8 declarations). 30 flood insurance claims have been filed in the area. FEMA has obligated $3,661,492 in public assistance recovery funding. 1 hazard mitigation projects have been funded to reduce future risk.