FEMA Records
21
Above median
Tennessee · FEMA + NOAA + National Risk Index
Overton County, TN
21 FEMA disaster declarations (1969-2026), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Storm.
- 21
- FEMA declarations
- 16
- Major disasters
- 22
- NRI risk · Very Low
- Severe Storm
- Top hazard
The verdict
Overton County has a nationally busy FEMA history: 21 declarations, more than 52% of counties in this registry. But the state comparison tempers that reading: the total is 2% below the Tennessee county mean. FEMA's separate National Risk Index places the county safer than 22%; that score models loss and vulnerability rather than counting declarations.
- Safer than 22%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 21
- FEMA declarations vs 21 national county avg
- 11
- 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 47133 · Overton County 21 declarations · rank 1449/3,266
DECL-HEAVY · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-HEAVY 21
- MAJOR-MID 76%
- RANK-LOWER #1,449
- PHOTO-FINISH Montgomery
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Severe Storm
- VS-ST-BELOW -2%
Nearest declaration peer: Montgomery, IN (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Tennessee state profile
Overton County in the declaration-count neighbourhood
FEMA declaration records among Overton County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Atascosa · near 21
Atascosa · near
21 declarations
- Mason · near 21
Mason · near
21 declarations
- Montgomery · near 21
Montgomery · near
21 declarations
- Overton · this county 21
Overton · this county
21 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Overton County carries 21 FEMA declaration records, ranked 1449 of 3,266 counties in this registry.
How Overton County's FEMA declaration count compares nationally
Overton County vs. all counties in this dataset
FEMA disaster declarations, all-time · Overton County
21 Top 48% higher than 52% 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
Overton County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Overton County is led by Riverine Flooding (about $3.0M Expected Annual Loss, Historical Loss Ratio Relatively High), while Lightning carries the highest National Risk Index rating (Relatively High). 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 Overton County's hazard record show?
FEMA National Risk Index
This county's FEMA National Risk Index composite lands at 22.2/100 (Very Low), a modest reading against the rest of the country. Expected Annual Loss is rated Very Low (roughly $7.3M in annualized losses), tempered or compounded by a Relatively Moderate social-vulnerability score and Very Low community-resilience score. Of the 18 hazards FEMA models, Lightning stands out as the sharpest exposure here, rated Relatively High. FEMA's modeled frequency puts that hazard at an average of 57 times per year here, based on 52,645 historical events on record.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 11 claims and $159.4K paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
Start with the state benchmark: a Tennessee county averages 21.4 federal declaration records, while Overton County has 21. The gap is 2% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
66 /100
Historical Activity Index
High historical activity
Overton 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
15/30
21 OpenFEMA declarations, full ingest window (1.0x national county average)
County Disaster Density Moderate
12/25
21 declarations (1.0x state county average of 21)
Major Disaster Share Very High
19/25
16 of 21 declarations are major disasters (76%)
Hazard Diversity Very High
20/20
8 different disaster types declared in Overton County
FEMA NRI 8-hazard radar - Overton 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
76%
Mostly major
NRI risk score
22
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Overton 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 |
|---|---|---|
| Lightning | Relatively High | an average of 57 times per year |
| Winter Weather | Relatively Low | an average of 9.8 times per year |
| Earthquake | Very Low | roughly once every 352 years |
| Cold Wave | Relatively Low | an average of 1.3 times per year |
| Landslide | Very Low | an average of 1 time per year |
| Tornado | Relatively Low | roughly once every 4 years |
| Strong Wind | Relatively Low | an average of 5.3 times per year |
| Drought | Relatively Low | 10 modeled event-days per year |
| Hail | Relatively Low | an average of 2.9 times per year |
| Ice Storm | Relatively Low | roughly once every 2 years |
| Hurricane | Very Low | roughly once every 31 years |
| Wildfire | Very Low | roughly once every 1,512 years |
| Riverine Flooding | Very Low | an average of 1.1 times per year |
| Heat Wave | Very Low | 0.9 modeled event-days per year |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 7
Flood 4
Winter Storm 2
Tornado 2
Severe Ice Storm 2
Biological 2
Hurricane 1
Snowstorm 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Overton County's record, 33% 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 - 16 76.2%
of all 21 declarations
Emergency - 5 23.8%
of all 21 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 2 | |
| 2025 | 1 | |
| 2021 | 2 | |
| 2020 | 2 | |
| 2019 | 1 | |
| 2015 | 1 | |
| 2012 | 1 | |
| 2010 | 1 | |
| 2009 | 1 | |
| 2005 | 1 | |
| 2002 | 1 | |
| 1998 | 1 | |
| 1994 | 1 | |
| 1993 | 1 | |
| 1975 | 1 | |
Show 3 earlier declaration years
| 1974 | 1 | |
| 1973 | 1 | |
| 1969 | 1 | |
Disaster Declarations
How the 21 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 21 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 |
| 3625 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | EM | Severe Storm | 2025-04-02 |
| 4601 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Tornado | 2021-05-08 |
| 4594 | SEVERE WINTER STORMS | DR | Severe Ice Storm | 2021-04-21 |
| 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 |
| 4211 | SEVERE WINTER STORM AND FLOODING | DR | Severe Ice Storm | 2015-04-02 |
| 4060 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS AND | DR | Severe Storm | 2012-03-16 |
| 1937 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2010-09-15 |
| 1856 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2009-08-21 |
| 3217 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-05 |
| 1408 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2002-04-05 |
| 1197 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 1998-01-13 |
| 1010 | SEVERE WINTER ICE STORM,FLASH FLOODING | DR | Severe Storm | 1994-02-28 |
| 3095 | SEVERE SNOWFALL, WINTER STORM | EM | Snowstorm | 1993-03-14 |
| 459 | SEVERE STORMS & FLOODING | DR | Flood | 1975-03-22 |
| 424 | TORNADOES | DR | Tornado | 1974-04-04 |
| 395 | SEVERE STORMS & FLOODING | DR | Flood | 1973-06-28 |
Show 1 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 263 | SEVERE STORMS & FLOODING | DR | Flood | 1969-07-11 |
Storm Events in Tennessee
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Overton 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
11
Total Paid
$159.4K
Avg Per Claim
$14.5K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 22.2/100
Expected Annual Loss
Very Low
$7.3M/year
Social Vulnerability
Relatively Moderate
Community Resilience
Very Low
Hazard Risk Breakdown
Lightning Relatively High
Winter Weather Relatively Low
Earthquake Very Low
Cold Wave Relatively Low
Landslide Very Low
Tornado Relatively Low
Strong Wind Relatively Low
Drought Relatively Low
Hail Relatively Low
Ice Storm Relatively Low
Hurricane Very Low
Wildfire Very Low
Riverine Flooding Very Low
Heat Wave 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: Lightning
Lightning is modeled as a high-frequency, low-per-event hazard: strike counts are large, but each strike affects a very small area. Its aggregate cost accumulates through structure fires, electrical and electronic damage, and it is one of the few hazards whose risk is essentially continuous through the season rather than episodic.
For Overton County the two measures on this page point the same way: Lightning is the county's highest-rated modeled hazard (Relatively High), and Severe Storm declarations also lead its federal record. Where the model and the declaration history agree, the reading is comparatively straightforward, the hazard is both expected and repeatedly realised.
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
Overton County's closest FEMA peer: Contra Costa County, CA
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Overton County. Record similarity, not a safety rating.
Closest declaration profiles
Overton County shows 21 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Overton County: 16 of 21 of its declarations are Major.
Similar modeled NRI score
Overton County: NRI composite 22.2 (Very 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 Overton County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Overton 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: 22.2 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 21. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 21 FEMA declarations, Overton County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
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 Overton County?
The most common disaster type in Overton County is Severe Storm, with 7 declarations. Other disaster types include Flood (4), Winter Storm (2), Tornado (2).
How does Overton County's FEMA declaration record compare with the Tennessee average?
The typical Tennessee county has 21.4 FEMA declaration records; Overton County has 21, or 2% fewer. Against the national county mean of 20.7, this county's total is 1% higher. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Overton County received?
Overton County has received 16 major disaster declarations, representing 76% of all 21 disaster declarations.
How many flood insurance claims has Overton County filed?
Overton County has 11 National Flood Insurance Program (NFIP) claims totaling $159.4K in payments, with an average of $14.5K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Overton County?
No. In Overton County, Lightning has the highest National Risk Index rating (Relatively High), while Riverine Flooding leads Expected Annual Loss at about $3.0M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Overton County?
The most active year for disaster declarations in Overton County was 2020, with 2 declarations. The county has FEMA disaster data spanning 1969 to 2026.
What is the FEMA National Risk Index score for Overton County?
According to the FEMA National Risk Index, Overton County, Tennessee has an overall risk score of 22.2 out of 100 (Very Low). On social vulnerability the county rates Relatively Moderate; on community resilience, Very Low. The Expected Annual Loss (EAL) score is Very Low, representing $7.3M in annualized losses.
Which natural hazard poses the greatest risk to Overton County?
The top hazard flagged by FEMA's NRI for Overton County is Lightning (risk rating: Relatively High). Other significant hazards include Winter Weather (Relatively Low) and Earthquake (Very Low). FEMA's modeled event frequency puts lightning here at an average of 57 times per year, drawn from 52,645 historical events on record. The underlying methodology weighs historical event frequency against 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 Overton County · vintage 2026-08-25 · Methodology · Tennessee profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events