Marshall County, Tennessee: hazard risk
FEMA rates Marshall County's overall risk Relatively Low (score 45.4 of 100, higher than 45% of rated U.S. counties). Its storm record holds 372 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 |
|---|---|---|---|
| Tornado | Relatively Moderate | 76.2 | $4.5M |
| Cold Wave | Relatively Moderate | 68.8 | $2.8M |
| Strong Wind | Relatively Moderate | 52.6 | $821K |
| Earthquake | Relatively Low | 75.8 | $1.7M |
| Riverine Flooding | Relatively Low | 49.7 | $9.1M |
| Ice Storm | Relatively Low | 48.1 | $108K |
| Winter Weather | Relatively Low | 40.0 | $63K |
| Lightning | Relatively Low | 36.6 | $195K |
| Hurricane | Very Low | 44.6 | $60K |
| Hail | Very Low | 33.3 | $187K |
| Heat Wave | Very Low | 32.8 | $217K |
| Landslide | Very Low | 29.1 | $393 |
| Drought | Very Low | 28.2 | $26K |
| Wildfire | Very Low | 20.8 | $11K |
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 | 132 | 0 | $1.8M | 72nd of 95 | 1027th of 3,080 |
| Hail | 65 | 0 | $12K | 37th of 95 | 1375th of 3,080 |
| Winter storms | 54 | 2 | $171K | 45th of 95 | 1147th of 3,077 |
| Floods | 40 | 1 | $1.9M | 27th of 95 | 681st of 3,080 |
| Drought | 38 | 0 | $6K | 13th of 95 | 288th of 3,063 |
| Tornadoes | 20 | 3 | $4.9M | 19th of 95 | 682nd of 3,080 |
| Lightning | 7 | 1 | $384K | 15th of 95 | 400th of 3,080 |
| High wind and dust storms | 6 | 0 | $510K | 60th of 95 | 2002nd of 3,080 |
| Heat | 5 | 0 | – | 29th of 95 | 1247th of 3,076 |
| Extreme cold | 1 | 0 | – | 55th of 95 | 2587th 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 Marshall County record: every hazard by year and month, the deadliest events and FEMA's declarations.