Hardin County, Tennessee: hazard risk
FEMA rates Hardin County's overall risk Relatively Low (score 70.7 of 100, higher than 70% of rated U.S. counties); 3 of its 14 hazards are rated Relatively High or Very High, led by landslide, strong wind, cold wave. Its storm record holds 433 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 |
|---|---|---|---|
| Landslide | Relatively High | 98.6 | $685K |
| Strong Wind | Relatively High | 94.3 | $1.9M |
| Cold Wave | Relatively High | 90.4 | $5.0M |
| Earthquake | Relatively Moderate | 90.3 | $3.7M |
| Tornado | Relatively Moderate | 76.0 | $2.2M |
| Lightning | Relatively Moderate | 58.0 | $208K |
| Heat Wave | Relatively Low | 71.2 | $646K |
| Hurricane | Relatively Low | 58.9 | $124K |
| Riverine Flooding | Relatively Low | 54.4 | $5.0M |
| Drought | Relatively Low | 49.6 | $95K |
| Ice Storm | Relatively Low | 37.4 | $31K |
| Wildfire | Very Low | 28.9 | $9K |
| Winter Weather | Very Low | 22.7 | $14K |
| Hail | Very Low | 7.6 | $15K |
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 | 118 | 1 | $4.7M | 90th of 95 | 1705th of 3,080 |
| Heat | 88 | 0 | – | 18th of 95 | 180th of 3,076 |
| Hail | 82 | 0 | $69K | 48th of 95 | 1538th of 3,080 |
| Winter storms | 42 | 0 | $86K | 90th of 95 | 1917th of 3,077 |
| Floods | 38 | 0 | $6.9M | 73rd of 95 | 1328th of 3,080 |
| Drought | 26 | 0 | – | 55th of 95 | 1050th of 3,063 |
| Tornadoes | 21 | 3 | $61M | 47th of 95 | 1478th of 3,080 |
| Extreme cold | 11 | 5 | – | 22nd of 95 | 1250th of 3,076 |
| High wind and dust storms | 5 | 0 | $32K | 83rd of 95 | 2432nd of 3,080 |
| Lightning | 2 | 0 | $27K | 66th of 95 | 1525th 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 Hardin County record: every hazard by year and month, the deadliest events and FEMA's declarations.