McNairy County, Tennessee: hazard risk
FEMA rates McNairy County's overall risk Relatively Low (score 50.5 of 100, higher than 50% of rated U.S. counties). Its storm record holds 410 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 | 90.3 | $4.9M |
| Cold Wave | Relatively Moderate | 78.0 | $2.8M |
| Strong Wind | Relatively Moderate | 63.2 | $709K |
| Landslide | Relatively Low | 74.0 | $8K |
| Heat Wave | Relatively Low | 67.0 | $704K |
| Tornado | Relatively Low | 60.3 | $1.6M |
| Lightning | Relatively Low | 47.5 | $188K |
| Drought | Relatively Low | 41.2 | $65K |
| Ice Storm | Relatively Low | 27.3 | $24K |
| Hurricane | Very Low | 57.3 | $135K |
| Riverine Flooding | Very Low | 33.3 | $3.4M |
| Wildfire | Very Low | 26.5 | $10K |
| Hail | Very Low | 17.6 | $55K |
| Winter Weather | Very Low | 17.0 | $13K |
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 | 109 | 1 | $4.6M | 91st of 95 | 1731st of 3,080 |
| Heat | 89 | 0 | – | 16th of 95 | 170th of 3,076 |
| Hail | 74 | 0 | $81K | 56th of 95 | 1626th of 3,080 |
| Winter storms | 44 | 0 | $53K | 85th of 95 | 1826th of 3,077 |
| Floods | 27 | 1 | $4.7M | 92nd of 95 | 1690th of 3,080 |
| Drought | 22 | 0 | – | 58th of 95 | 1155th of 3,063 |
| Tornadoes | 21 | 18 | $125M | 51st of 95 | 1541st of 3,080 |
| Extreme cold | 11 | 1 | – | 20th of 95 | 1223rd of 3,076 |
| High wind and dust storms | 6 | 0 | $39K | 76th of 95 | 2299th of 3,080 |
| Lightning | 6 | 0 | $278K | 33rd of 95 | 673rd of 3,080 |
| Hurricanes and tropical storms | 1 | 0 | $23K | 32nd of 95 | 948th 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 McNairy County record: every hazard by year and month, the deadliest events and FEMA's declarations.