Natural Disasters in Ridgetop, TN

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

60.4

Relatively Low

Expected Annual Loss

66.4

Score (0-100)

Social Vulnerability

24.5

Score (0-100)

Community Resilience

52.3

Score (0-100)

Top Hazard Risks

Earthquake88.7Strong Wind83.7Ice Storm79.5

Hazard	Risk Score
Earthquake	88.7
Strong Wind	83.7
Ice Storm	79.5
Cold Wave	78.1
Tornado	73.2
Hail	70.2
Heat Wave	64.8
Lightning	60.1
Drought	59.5
Hurricane	32.9
Winter Weather	32.2
Landslide	31.2
Wildfire	23.6

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

Feb 2026

Most Common Type

Severe Storm

14 declarations

Date	Type	Declaration
Feb 6, 2026	Winter Storm	SEVERE WINTER STORM
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
Dec 13, 2023	Severe Storm	SEVERE STORMS AND TORNADOES
May 17, 2023	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADO
Mar 8, 2023	Winter Storm	SEVERE WINTER STORM
Jan 14, 2022	Tornado	SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES
May 8, 2021	Tornado	SEVERE STORMS, TORNADOES, AND FLOODING
Jan 5, 2021	Other	EXPLOSION
Jul 9, 2020	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING
Apr 2, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
Mar 5, 2020	Tornado	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING
Apr 2, 2015	Severe Ice Storm	SEVERE WINTER STORM AND FLOODING
May 9, 2011	Severe Storm	SEVERE STORMS, FLOODING, TORNADOES, AND STRAIGHT-LINE WINDS
May 4, 2010	Severe Storm	SEVERE STORMS, FLOODING, STRAIGHT-LINE WINDS, AND TORNADOES
Apr 5, 2006	Severe Storm	SEVERE STORMS AND TORNADOES
Sep 5, 2005	Hurricane	HURRICANE KATRINA EVACUATION
May 8, 2003	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING

Showing 20 of 28 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

2,888

Total IA Distributed

$6,288,067

Repair/Replace

$3,619,938

Rental Assistance

$799,300

Disaster	Registrations	Total IA $	Avg Damage
DR-4476	17	N/A	—
DR-1603	1	N/A	—
DR-1441	1	N/A	—
DR-1745	4	N/A	—
DR-1909	2,016	$4,649,738	$2,394
DR-4514	211	$1,281,164	—
DR-4751	334	$170,686	$649
DR-1634	186	$141,184	$10,443
DR-4637	84	$19,892	$644
DR-4878	7	$14,334	$2,423

Showing top 10 of 12 disasters by IA amount

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

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

4,770

Total Claims Paid

$185,951,667

Avg Claim Payout

$38,984

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

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$362,504,039

Disasters with PA

Total Projects

1,042

Disaster	Type	Projects	Federal $
DR-4514	Biological	63	$133,733,716
DR-1909	Severe Storm(s)	732	$133,076,537
DR-4476	Tornado	37	$41,260,169
DR-4712	Severe Storm(s)	22	$9,007,010
DR-4550	Severe Storm(s)	10	$8,646,122
DR-4601	Severe Storm(s)	21	$7,684,802
DR-4751	Severe Storm(s)	12	$6,691,287
DR-1634	Severe Storm(s)	12	$4,653,638
DR-4637	Severe Storm(s)	14	$3,427,093
DR-4878	Severe Storm(s)	5	$3,043,571
DR-4691	Winter Storm	15	$2,778,050
DR-1275	Severe Storm(s)	21	$2,632,374
DR-1978	Severe Storm(s)	10	$1,624,049
DR-1464	Severe Storm(s)	13	$1,531,300
DR-1331	Severe Storm(s)	23	$1,271,947

Showing top 15 of 22 disasters by spending

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$615,488

Properties Protected

Avg Benefit-Cost Ratio

0.98

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
200.1: Acquisition of Private Real Property (Structures and Land) - Riverine	3	$286,881
600.1: Warning Systems (as a Component of a Planned, Adopted, and Exercised Risk Reduction Plan)	1	$0
403.1: Stormwater Management - Culverts	1	$328,607

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

Ridgetop has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are earthquake, strong wind, ice storm. The area has had 28 federal disaster declarations. The most common disaster type is severe storm (14 declarations). 4,770 flood insurance claims have been filed in the area. FEMA has obligated $362,504,039 in public assistance recovery funding. $6,288,067 has been distributed in individual assistance to disaster-affected residents. 5 hazard mitigation projects have been funded to reduce future risk.