Bedford County, Tennessee: hazard risk
FEMA rates Bedford County's overall risk Relatively Low (score 69.2 of 100, higher than 69% of rated U.S. counties). Its storm record holds 486 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Cold Wave | Relatively Moderate | 86.8 | $5.0M |
| Tornado | Relatively Moderate | 83.1 | $4.2M |
| Winter Weather | Relatively Moderate | 72.8 | $137K |
| Strong Wind | Relatively Moderate | 69.3 | $864K |
| Earthquake | Relatively Low | 83.0 | $2.0M |
| Riverine Flooding | Relatively Low | 70.2 | $12M |
| Ice Storm | Relatively Low | 58.2 | $111K |
| Drought | Relatively Low | 57.5 | $217K |
| Hail | Relatively Low | 55.0 | $291K |
| Lightning | Relatively Low | 53.1 | $238K |
| Heat Wave | Relatively Low | 48.0 | $308K |
| Hurricane | Very Low | 55.0 | $110K |
| Landslide | Very Low | 28.6 | $252 |
| Wildfire | Very Low | 19.0 | $6K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 231 | 0 | $3.4M | 50th of 95 | 583rd of 3,080 |
| Hail | 70 | 0 | $102K | 67th of 95 | 1737th of 3,080 |
| Winter storms | 56 | 0 | $1.3M | 66th of 95 | 1399th of 3,077 |
| Floods | 50 | 0 | $955K | 42nd of 95 | 852nd of 3,080 |
| Drought | 38 | 0 | – | 25th of 95 | 486th of 3,063 |
| Tornadoes | 20 | 1 | $5.6M | 31st of 95 | 922nd of 3,080 |
| High wind and dust storms | 6 | 0 | $116K | 77th of 95 | 2307th of 3,080 |
| Heat | 4 | 0 | – | 38th of 95 | 1584th of 3,076 |
| Extreme cold | 1 | 0 | – | 60th of 95 | 2646th of 3,076 |
| Heavy rain | 1 | 0 | $3K | 49th of 95 | 1894th of 3,080 |
| Lightning | 1 | 0 | $73K | 76th of 95 | 1876th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Bedford County record: every hazard by year and month, the deadliest events and FEMA's declarations.