Natural Disasters in Spencer, TN
Hazard risk, disaster history, and FEMA data
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
2.7
Very Low
Expected Annual Loss
3.7
Score (0-100)
Social Vulnerability
25.6
Score (0-100)
Community Resilience
13.6
Score (0-100)
Top Hazard Risks
| Hazard | Risk Score |
|---|---|
| Landslide | 63.7 |
| Wildfire | 36.3 |
| Cold Wave | 34.0 |
| Earthquake | 33.0 |
| Tornado | 27.4 |
| Drought | 26.7 |
| Winter Weather | 26.1 |
| Hurricane | 18.6 |
| Strong Wind | 15.9 |
| Lightning | 14.3 |
| Ice Storm | 11.3 |
| Hail | 8.0 |
| Heat Wave | 3.1 |
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 OpenFEMATotal Declarations
19
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 |
| Sep 27, 2023 | Severe Storm | SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADO |
| 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 |
| Sep 5, 2005 | Hurricane | HURRICANE KATRINA EVACUATION |
| Mar 20, 2003 | Severe Storm | SEVERE STORMS AND FLOODING |
| Nov 13, 2002 | Severe Storm | SEVERE STORMS AND TORNADOS |
| Apr 5, 2002 | Severe Storm | SEVERE STORMS AND FLOODING |
| Jan 15, 1999 | Severe Storm | SEVERE WINTER STORM |
| Jan 13, 1998 | Severe Storm | SEVERE STORMS AND FLOODING |
| Apr 14, 1994 | Flood | EXTENSIVE RAINFALL AND FLASH FLOODING |
| Feb 28, 1994 | Severe Storm | SEVERE WINTER ICE STORM,FLASH FLOODING |
| Mar 14, 1993 | Snowstorm | SEVERE SNOWFALL, WINTER STORM |
| Jan 4, 1991 | Flood | SEVERE STORMS & FLOODING |
| Jun 28, 1973 | Flood | SEVERE STORMS & FLOODING |
| Mar 21, 1973 | Flood | HEAVY RAINS & FLOODING |
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
14
Total Claims Paid
$346,246
Avg Claim Payout
$24,732
County-level NFIP data from FEMA National Flood Insurance Program.
Disaster Recovery Spending
Source: FEMA Public AssistanceTotal Federal Spending
$281,528
Disasters with PA
4
Total Projects
19
| Disaster | Type | Projects | Federal $ |
|---|---|---|---|
| DR-1408 | Severe Storm(s) | 9 | $122,290 |
| DR-1260 | Severe Storm(s) | 6 | $92,619 |
| DR-4211 | Severe Ice Storm | 2 | $53,842 |
| DR-4427 | Severe Storm(s) | 2 | $12,777 |
Spencer has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are landslide, wildfire, cold wave. The area has had 19 federal disaster declarations. The most common disaster type is severe storm (8 declarations). 14 flood insurance claims have been filed in the area. FEMA has obligated $281,528 in public assistance recovery funding.