Lake County, Tennessee: hazard risk
FEMA rates Lake County's overall risk Relatively Low (score 47.8 of 100, higher than 47% of rated U.S. counties). Its storm record holds 320 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 Moderate | 93.1 | $5.6M |
| Drought | Relatively Moderate | 73.3 | $396K |
| Ice Storm | Relatively Moderate | 64.8 | $105K |
| Heat Wave | Relatively Low | 65.1 | $463K |
| Cold Wave | Relatively Low | 63.0 | $1.0M |
| Tornado | Relatively Low | 53.7 | $888K |
| Winter Weather | Relatively Low | 41.5 | $30K |
| Lightning | Relatively Low | 34.4 | $82K |
| Strong Wind | Relatively Low | 31.3 | $191K |
| Hurricane | Very Low | 29.1 | $8K |
| Hail | Very Low | 12.7 | $26K |
| Landslide | Very Low | 9.7 | $17 |
| Riverine Flooding | Very Low | 8.8 | $751K |
| Wildfire | Very Low | 1.8 | $429 |
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. |
|---|---|---|---|---|---|
| Heat | 103 | 0 | – | 1st of 95 | 2nd of 3,076 |
| Winter storms | 62 | 0 | $52K | 4th of 95 | 206th of 3,077 |
| Severe thunderstorm wind | 54 | 0 | $727K | 54th of 95 | 659th of 3,080 |
| Hail | 28 | 0 | $906K | 24th of 95 | 901st of 3,080 |
| Drought | 25 | 0 | – | 5th of 95 | 98th of 3,063 |
| Floods | 16 | 0 | $3.7M | 34th of 95 | 779th of 3,080 |
| Extreme cold | 12 | 0 | – | 4th of 95 | 275th of 3,076 |
| Tornadoes | 10 | 3 | $6.5M | 11th of 95 | 479th of 3,080 |
| High wind and dust storms | 5 | 0 | $112K | 20th of 95 | 1393rd of 3,080 |
| Lightning | 3 | 0 | $101K | 18th of 95 | 414th of 3,080 |
| Hurricanes and tropical storms | 2 | 0 | $221K | 2nd of 95 | 428th of 1,849 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Lake County record: every hazard by year and month, the deadliest events and FEMA's declarations.