Cumberland County, Tennessee: hazard risk
FEMA rates Cumberland County's overall risk Relatively Low (score 67.2 of 100, higher than 67% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by winter weather, lightning. Its storm record holds 474 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 |
|---|---|---|---|
| Winter Weather | Relatively High | 85.6 | $203K |
| Lightning | Relatively High | 83.7 | $614K |
| Cold Wave | Relatively Moderate | 86.7 | $3.9M |
| Tornado | Relatively Moderate | 86.1 | $3.9M |
| Strong Wind | Relatively Moderate | 81.5 | $970K |
| Ice Storm | Relatively Moderate | 64.1 | $113K |
| Earthquake | Relatively Low | 85.4 | $2.0M |
| Landslide | Relatively Low | 81.5 | $13K |
| Wildfire | Relatively Low | 72.6 | $150K |
| Hail | Relatively Low | 67.9 | $356K |
| Drought | Relatively Low | 59.2 | $190K |
| Riverine Flooding | Relatively Low | 58.4 | $6.0M |
| Hurricane | Very Low | 51.4 | $58K |
| Heat Wave | No Rating | 0.0 | $0 |
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 | 139 | 0 | $6.6M | 93rd of 95 | 1790th of 3,080 |
| Winter storms | 105 | 2 | $25M | 32nd of 95 | 992nd of 3,077 |
| Hail | 82 | 0 | $37K | 83rd of 95 | 1977th of 3,080 |
| Floods | 47 | 1 | $2.1M | 72nd of 95 | 1269th of 3,080 |
| Drought | 44 | 0 | – | 31st of 95 | 701st of 3,063 |
| Tornadoes | 24 | 8 | $20M | 50th of 95 | 1504th of 3,080 |
| High wind and dust storms | 14 | 0 | $387K | 53rd of 95 | 1915th of 3,080 |
| Lightning | 12 | 0 | $305K | 23rd of 95 | 454th of 3,080 |
| Heavy rain | 3 | 0 | $1K | 28th of 95 | 1425th of 3,080 |
| Extreme cold | 2 | 0 | – | 51st of 95 | 2549th of 3,076 |
| Wildfires | 1 | 0 | $1.9M | 4th of 95 | 1016th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Cumberland County record: every hazard by year and month, the deadliest events and FEMA's declarations.