Natural Disasters in Lone Oak, TN
Hazard risk, disaster history, and FEMA data
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
40.2
Very Low
Expected Annual Loss
39.0
Score (0-100)
Social Vulnerability
54.2
Score (0-100)
Community Resilience
20.2
Score (0-100)
Top Hazard Risks
| Hazard | Risk Score |
|---|---|
| Cold Wave | 88.5 |
| Landslide | 71.1 |
| Earthquake | 52.3 |
| Wildfire | 51.0 |
| Tornado | 47.4 |
| Winter Weather | 43.7 |
| Strong Wind | 39.6 |
| Lightning | 31.8 |
| Drought | 30.2 |
| Hurricane | 24.2 |
| Ice Storm | 23.9 |
| Heat Wave | 16.3 |
| Hail | 10.0 |
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
10 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 |
| Apr 2, 2020 | Biological | COVID-19 PANDEMIC |
| Mar 13, 2020 | Biological | COVID-19 |
| Apr 17, 2019 | Flood | SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES |
| Nov 11, 2016 | Fire | SMITH MOUNTAIN FIRE COMPLEX |
| Aug 13, 2014 | Severe Storm | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING |
| May 1, 2011 | Severe Storm | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND ASSOCIATED FLOODING |
| May 15, 2009 | Severe Storm | SEVERE STORMS, TORNADOES, AND FLOODING |
| 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 |
| Nov 3, 2001 | Fire | TN - CHATTANOOGA FIRE COMPLEX - 11/03/01 |
| Apr 13, 1999 | Fire | TN - WILDFIRES 4/13/99 |
| Jan 15, 1999 | Severe Storm | SEVERE WINTER STORM |
| Jan 13, 1998 | Severe Storm | SEVERE STORMS AND FLOODING |
| Apr 2, 1997 | Severe Storm | SEVERE STORMS AND TORNADOES |
| Feb 28, 1994 | Severe Storm | SEVERE WINTER ICE STORM,FLASH FLOODING |
| Mar 14, 1993 | Snowstorm | SEVERE SNOWFALL, WINTER STORM |
| Mar 21, 1973 | Flood | HEAVY RAINS & FLOODING |
Individual Assistance
Source: FEMA Housing AssistanceTotal IA Registrations
744
Total IA Distributed
$1,446,950
Repair/Replace
$380,734
Rental Assistance
$101,645
| Disaster | Registrations | Total IA $ | Avg Damage |
|---|---|---|---|
| DR-4609 | 1 | N/A | — |
| DR-4514 | 200 | $789,597 | — |
| DR-1464 | 193 | $405,086 | $2,538 |
| DR-1974 | 301 | $194,980 | $2,118 |
| DR-4541 | 22 | $55,189 | $1,545 |
| DR-4060 | 27 | $2,099 | $231 |
Individual and household assistance for homeowners and renters affected by federally declared disasters.
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
20
Total Claims Paid
$133,966
Avg Claim Payout
$6,698
County-level NFIP data from FEMA National Flood Insurance Program.
Disaster Recovery Spending
Source: FEMA Public AssistanceTotal Federal Spending
$327,941
Disasters with PA
7
Total Projects
36
| Disaster | Type | Projects | Federal $ |
|---|---|---|---|
| DR-1464 | Severe Storm(s) | 8 | $80,606 |
| DR-4427 | Severe Storm(s) | 4 | $63,639 |
| DR-1456 | Severe Storm(s) | 6 | $54,804 |
| DR-1974 | Severe Storm(s) | 12 | $54,485 |
| DR-4189 | Severe Storm(s) | 3 | $48,746 |
| DR-1839 | Severe Storm(s) | 2 | $24,510 |
| DR-1260 | Severe Storm(s) | 1 | $1,151 |
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
2
Federal Funding
$24,483
Avg Benefit-Cost Ratio
0.00
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 91.1: Local Multihazard Mitigation Plan | 1 | $24,483 |
| 700.1: Management Costs - Salaries; 700.4: Management Costs - Supplies; 91.5: Local Multijurisdictional Multihazard Mitigation Plan - UPDATE; 96.1: Public Awareness and Education (Brochures, Workshops, Videos, etc.) | 1 | $0 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Lone Oak has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are cold wave, landslide, earthquake. The area has had 20 federal disaster declarations. The most common disaster type is severe storm (10 declarations). 20 flood insurance claims have been filed in the area. FEMA has obligated $327,941 in public assistance recovery funding. $1,446,950 has been distributed in individual assistance to disaster-affected residents. 2 hazard mitigation projects have been funded to reduce future risk.