FEMA Records
25
High volume
Tennessee · FEMA + NOAA + National Risk Index
Cheatham County, TN
25 FEMA disaster declarations (1975-2026), with a FEMA National Risk Index rating of Relatively Low. Most common hazard: Severe Storm.
- 25
- FEMA declarations
- 20
- Major disasters
- 46
- NRI risk · Relatively Low
- Severe Storm
- Top hazard
The verdict
Two federal records point in the busier direction for Cheatham County. Its 25 FEMA declarations are 17% above the Tennessee county mean and exceed the count for 71% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it safer than 46%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Safer than 46%
- of U.S. counties for FEMA National Risk Index score
- Relatively Low
- FEMA National Risk Index rating
- 25
- FEMA declarations vs 21 national county avg
- 513
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
FEMA OpenFEMA declaration desk
County FIPS 47021 · Cheatham County 25 declarations · rank 857/3,266
DECL-HEAVY · MAJOR-HEAVY · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-ABOVE
- DECL-HEAVY 25
- MAJOR-HEAVY 80%
- RANK-LOWER #857
- PHOTO-FINISH Jefferson
- NRI-LOW 46
- ACT-HIGH High
- TYPE-LEAD Severe Storm
- VS-ST-ABOVE +17%
Nearest declaration peer: Jefferson, AR (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Tennessee state profile
Cheatham County among high-volume declaration counties
FEMA declaration records among Cheatham County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Benton · near 25
Benton · near
25 declarations
- Cheatham · this county 25
Cheatham · this county
25 declarations
- Jefferson · near 25
Jefferson · near
25 declarations
- Lafayette · near 25
Lafayette · near
25 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Cheatham County carries 25 FEMA declaration records, ranked 857 of 3,266 counties in this registry.
Where Cheatham County ranks in the national declaration registry
Cheatham County vs. high-volume counties in this registry
FEMA disaster declarations, all-time · Cheatham County
25 Top 29% higher than 71% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-25
Cheatham County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Cheatham County is led by Riverine Flooding (about $8.9M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Earthquake carries the highest National Risk Index rating (Relatively Low). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Cheatham County's hazard record show?
Reading the federal records together
FEMA's NFIP table contains a substantial paid-claim history for this county: 513 claims and $25.7M in payments. PlainHazard labels 500 or more claims a heavy registry record; that is a reporting bucket, not an official FEMA risk grade. The average paid claim was $50.2K. NFIP totals exclude uninsured flood losses and do not measure how many properties currently carry a policy.
The declaration register points in the busier direction. Cheatham County's 25 federal records stand 17% above the Tennessee county mean of 21.4. That comparison describes how often federal action was recorded, including any Major Disaster, Emergency, and Fire Management entries shown on this page; it does not convert the count into future probability.
FEMA National Risk Index
FEMA's data shows an elevated National Risk Index composite of 46.3/100 for this county (Relatively Low rating). Expected Annual Loss comes in at Relatively Low (roughly $17.3M in annualized losses). Social vulnerability (Very Low) and community resilience (Relatively Low) both factor into how that raw exposure plays out on the ground. Even the county's top-rated hazard, Earthquake, only reaches Relatively Low on FEMA's scale, none of the 18 modeled hazards stand out here. FEMA's modeled frequency puts that hazard at roughly once every 265 years here.
71 /100
Historical Activity Index
High historical activity
Cheatham County, TN · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) High
18/30
25 OpenFEMA declarations, full ingest window (1.2x national county average)
County Disaster Density High
15/25
25 declarations (1.2x state county average of 21)
Major Disaster Share Very High
20/25
20 of 25 declarations are major disasters (80%)
Hazard Diversity Very High
18/20
7 different disaster types declared in Cheatham County
FEMA NRI 8-hazard radar - Cheatham County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
80%
Mostly major
NRI risk score
46
Relatively Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Cheatham County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Earthquake | Relatively Low | roughly once every 265 years |
| Tornado | Relatively Moderate | roughly once every 4 years |
| Ice Storm | Relatively Moderate | roughly once every 1 years |
| Cold Wave | Relatively Low | an average of 1.3 times per year |
| Landslide | Very Low | roughly once every 1 years |
| Riverine Flooding | Relatively Low | an average of 1.3 times per year |
| Hail | Relatively Low | an average of 3.3 times per year |
| Heat Wave | Relatively Low | 4.9 modeled event-days per year |
| Lightning | Relatively Low | an average of 58 times per year |
| Strong Wind | Relatively Low | an average of 5.9 times per year |
| Drought | Relatively Low | 5.5 modeled event-days per year |
| Winter Weather | Very Low | an average of 5.8 times per year |
| Hurricane | Very Low | roughly once every 87 years |
| Wildfire | Very Low | roughly once every 26,835 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 12
Tornado 4
Flood 3
Winter Storm 2
Biological 2
Severe Ice Storm 1
Hurricane 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Cheatham County's record, 48% of its declarations. In FEMA's vocabulary this covers convective weather: thunderstorm straight-line winds, large hail, and the multi-day outbreaks that often carry embedded tornadoes. Activity is heaviest in spring and summer, though the season varies by region.
These events behave differently from a hurricane on paper. Damage tends to be distributed along a storm track rather than concentrated on a coastline, and a declaration typically follows an outbreak that crossed several counties over a few days, not a single point of impact. Because the qualifying threshold is the cost of uninsured public and individual losses rather than storm intensity, two similar storms can produce a declaration in one year and none in another.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 20 80.0%
of all 25 declarations
Emergency - 5 20.0%
of all 25 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 2 | |
| 2025 | 2 | |
| 2024 | 2 | |
| 2023 | 1 | |
| 2022 | 2 | |
| 2021 | 1 | |
| 2020 | 2 | |
| 2019 | 1 | |
| 2014 | 1 | |
| 2010 | 1 | |
| 2006 | 1 | |
| 2005 | 1 | |
| 2003 | 1 | |
| 2000 | 1 | |
| 1999 | 1 | |
Show 5 earlier declaration years
| 1998 | 1 | |
| 1997 | 1 | |
| 1994 | 1 | |
| 1991 | 1 | |
| 1975 | 1 | |
Disaster Declarations
How the 25 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 25 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4898 | SEVERE WINTER STORM | DR | Winter Storm | 2026-02-06 |
| 3635 | SEVERE WINTER STORM | EM | Winter Storm | 2026-01-24 |
| 4878 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | DR | Severe Storm | 2025-06-19 |
| 3625 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | EM | Severe Storm | 2025-04-02 |
| 4792 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2024-06-17 |
| 4751 | SEVERE STORMS AND TORNADOES | DR | Severe Storm | 2023-12-13 |
| 4712 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADO | DR | Severe Storm | 2023-05-17 |
| 4637 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES | DR | Tornado | 2022-01-14 |
| 3576 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES | EM | Tornado | 2021-12-13 |
| 4601 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Tornado | 2021-05-08 |
| 4514 | COVID-19 PANDEMIC | DR | Biological | 2020-04-02 |
| 3473 | COVID-19 | EM | Biological | 2020-03-13 |
| 4427 | SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Flood | 2019-04-17 |
| 4171 | SEVERE WINTER STORM | DR | Severe Ice Storm | 2014-04-11 |
| 1909 | SEVERE STORMS, FLOODING, STRAIGHT-LINE WINDS, AND TORNADOES | DR | Severe Storm | 2010-05-04 |
| 1634 | SEVERE STORMS AND TORNADOES | DR | Severe Storm | 2006-04-05 |
| 3217 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-05 |
| 1464 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2003-05-08 |
| 1331 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2000-06-12 |
| 1275 | SEVERE STORMS, TORNADOES AND FLOODING | DR | Severe Storm | 1999-05-12 |
Show 5 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 1215 | SEVERE STORMS, TORNADOES AND FLOODING | DR | Severe Storm | 1998-04-20 |
| 1167 | HEAVY RAINS, TORNADOES, FLOODING, HAIL, HIGH WINDS | DR | Tornado | 1997-03-07 |
| 1010 | SEVERE WINTER ICE STORM,FLASH FLOODING | DR | Severe Storm | 1994-02-28 |
| 910 | SEVERE STORMS & FLOODING | DR | Flood | 1991-06-21 |
| 459 | SEVERE STORMS & FLOODING | DR | Flood | 1975-03-22 |
Storm Events in Tennessee
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Cheatham County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 6,558 | 22 | 58 | $107.0M |
| Hail | 1,690 | 0 | 0 | $545.5K |
| Heat | 1,343 | 9 | 15 | $0 |
| Flash Flood | 1,264 | 55 | 3 | $334.4M |
| Winter Weather | 1,088 | 5 | 0 | $261.0K |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
513
Total Paid
$25.7M
Avg Per Claim
$50.2K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Low
Score: 46.3/100
Expected Annual Loss
Relatively Low
$17.3M/year
Social Vulnerability
Very Low
Community Resilience
Relatively Low
Hazard Risk Breakdown
Earthquake Relatively Low
Tornado Relatively Moderate
Ice Storm Relatively Moderate
Cold Wave Relatively Low
Landslide Very Low
Riverine Flooding Relatively Low
Hail Relatively Low
Heat Wave Relatively Low
Lightning Relatively Low
Strong Wind Relatively Low
Drought Relatively Low
Winter Weather Very Low
Hurricane Very Low
Wildfire Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Earthquake
Earthquake is the model's clearest example of a hazard with no season and no warning. Its expected loss is driven less by how often shaking occurs than by how much of the building stock predates modern seismic codes, so exposure can be high in places where nothing has happened for a long time.
Worth noting for Cheatham County: the model and the federal record do NOT point at the same hazard. Earthquake carries the highest modeled rating (Relatively Low), while the county's declaration history is led by Severe Storm. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Cheatham County's closest FEMA peer: Pike County, IL
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Cheatham County. Record similarity, not a safety rating.
Closest declaration profiles
Cheatham County shows 25 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Cheatham County: 20 of 25 of its declarations are Major.
Similar modeled NRI score
Cheatham County: NRI composite 46.3 (Relatively Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Cheatham County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Cheatham County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 46.3 (Relatively Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 25. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Understanding disaster data
Cheatham County's NFIP claims file (513 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Frequently Asked Questions
What is the most common disaster type in Cheatham County?
The most common disaster type in Cheatham County is Severe Storm, with 12 declarations. Other disaster types include Tornado (4), Flood (3), Winter Storm (2).
How does Cheatham County's FEMA declaration record compare with the Tennessee average?
FEMA lists 25 declaration records for Cheatham County. That is 17% above the Tennessee county mean of 21.4. Its count is also 21% above the national county mean of 20.7. A larger declaration history records more federal actions; it is not a forecast of the county's next hazard.
How many major FEMA disaster declarations has Cheatham County received?
Cheatham County has received 20 major disaster declarations, representing 80% of all 25 disaster declarations.
How many flood insurance claims has Cheatham County filed?
Cheatham County has 513 National Flood Insurance Program (NFIP) claims totaling $25.7M in payments, with an average of $50.2K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Cheatham County?
No. In Cheatham County, Earthquake has the highest National Risk Index rating (Relatively Low), while Riverine Flooding leads Expected Annual Loss at about $8.9M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Cheatham County?
The most active year for disaster declarations in Cheatham County was 2020, with 2 declarations. The county has FEMA disaster data spanning 1975 to 2026.
What is the FEMA National Risk Index score for Cheatham County?
According to the FEMA National Risk Index, Cheatham County, Tennessee has an overall risk score of 46.3 out of 100 (Relatively Low). The county's social vulnerability rating is Very Low and community resilience is Relatively Low. The Expected Annual Loss (EAL) score is Relatively Low, representing $17.3M in annualized losses.
Which natural hazard poses the greatest risk to Cheatham County?
Based on FEMA NRI data, the highest-risk natural hazard in Cheatham County is Earthquake (risk rating: Relatively Low). Other significant hazards include Tornado (Relatively Moderate) and Ice Storm (Relatively Moderate). FEMA's modeled event frequency puts earthquake here at roughly once every 265 years. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
FEMA OpenFEMA declarations + NRI for Cheatham County · vintage 2026-08-25 · Methodology · Tennessee profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events