Davidson County, Tennessee: hazard risk
FEMA rates Davidson County's overall risk Relatively High (score 97.2 of 100, higher than 97% of rated U.S. counties); 5 of its 14 hazards are rated Relatively High or Very High, led by earthquake, riverine flooding, tornado. Its storm record holds 1,709 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 |
|---|---|---|---|
| Earthquake | Relatively High | 98.2 | $58M |
| Riverine Flooding | Relatively High | 98.2 | $160M |
| Tornado | Relatively High | 97.9 | $24M |
| Strong Wind | Relatively High | 97.1 | $4.0M |
| Cold Wave | Relatively High | 90.6 | $7.5M |
| Heat Wave | Relatively Moderate | 95.4 | $6.5M |
| Hail | Relatively Moderate | 87.8 | $1.5M |
| Winter Weather | Relatively Moderate | 82.4 | $233K |
| Ice Storm | Relatively Moderate | 80.4 | $417K |
| Landslide | Relatively Low | 69.3 | $5K |
| Lightning | Relatively Low | 54.5 | $271K |
| Wildfire | Very Low | 57.5 | $72K |
| Hurricane | Very Low | 53.7 | $107K |
| Drought | Very Low | 26.6 | $16K |
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 | 971 | 2 | $37M | 2nd of 95 | 8th of 3,080 |
| Hail | 275 | 0 | $32M | 1st of 95 | 96th of 3,080 |
| Floods | 170 | 16 | $2.2B | 1st of 95 | 143rd of 3,080 |
| Winter storms | 75 | 5 | $865K | 38th of 95 | 1071st of 3,077 |
| High wind and dust storms | 53 | 3 | $21M | 5th of 95 | 541st of 3,080 |
| Tornadoes | 53 | 7 | $1.5B | 3rd of 95 | 129th of 3,080 |
| Lightning | 47 | 0 | $3.4M | 1st of 95 | 36th of 3,080 |
| Drought | 29 | 0 | – | 41st of 95 | 804th of 3,063 |
| Heavy rain | 16 | 0 | $215K | 2nd of 95 | 523rd of 3,080 |
| Heat | 8 | 2 | $135K | 27th of 95 | 1127th of 3,076 |
| Extreme cold | 2 | 1 | – | 38th of 95 | 2411th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Davidson County record: every hazard by year and month, the deadliest events and FEMA's declarations.