Macon County, Tennessee: hazard risk
FEMA rates Macon County's overall risk Very Low (score 34.6 of 100, higher than 34% 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 |
|---|---|---|---|
| Strong Wind | Relatively Moderate | 70.8 | $776K |
| Tornado | Relatively Moderate | 68.9 | $1.9M |
| Winter Weather | Relatively Moderate | 61.2 | $74K |
| Earthquake | Relatively Low | 72.8 | $749K |
| Cold Wave | Relatively Low | 65.0 | $1.3M |
| Drought | Relatively Low | 62.8 | $261K |
| Ice Storm | Relatively Low | 59.1 | $101K |
| Hail | Relatively Low | 50.0 | $203K |
| Lightning | Relatively Low | 47.1 | $164K |
| Heat Wave | Relatively Low | 43.5 | $211K |
| Landslide | Very Low | 52.9 | $1K |
| Riverine Flooding | Very Low | 31.2 | $2.8M |
| Hurricane | Very Low | 25.5 | $8K |
| Wildfire | Very Low | 12.0 | $3K |
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 | 140 | 0 | $2.4M | 34th of 95 | 401st of 3,080 |
| Winter storms | 51 | 0 | $9.2M | 26th of 95 | 878th of 3,077 |
| Hail | 42 | 0 | – | 44th of 95 | 1476th of 3,080 |
| Floods | 40 | 0 | $12M | 19th of 95 | 592nd of 3,080 |
| Drought | 19 | 0 | $7.1M | 36th of 95 | 741st of 3,063 |
| Tornadoes | 12 | 14 | $23M | 42nd of 95 | 1257th of 3,080 |
| Lightning | 7 | 0 | $520K | 9th of 95 | 320th of 3,080 |
| High wind and dust storms | 5 | 0 | $504K | 57th of 95 | 1985th of 3,080 |
| Heavy rain | 2 | 0 | $1K | 17th of 95 | 1174th of 3,080 |
| Extreme cold | 1 | 0 | – | 47th of 95 | 2508th of 3,076 |
| Heat | 1 | 0 | – | 50th of 95 | 2061st 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 Macon County record: every hazard by year and month, the deadliest events and FEMA's declarations.