Monroe County, Tennessee: hazard risk
FEMA rates Monroe County's overall risk Relatively Low (score 60.9 of 100, higher than 60% of rated U.S. counties). Its storm record holds 548 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 Moderate | 95.7 | $112K |
| Strong Wind | Relatively Moderate | 79.3 | $924K |
| Lightning | Relatively Moderate | 71.1 | $373K |
| Earthquake | Relatively Low | 89.1 | $3.3M |
| Wildfire | Relatively Low | 68.6 | $115K |
| Riverine Flooding | Relatively Low | 65.1 | $7.7M |
| Tornado | Relatively Low | 63.8 | $1.5M |
| Cold Wave | Relatively Low | 62.4 | $1.1M |
| Hurricane | Relatively Low | 60.3 | $156K |
| Drought | Relatively Low | 55.6 | $154K |
| Ice Storm | Relatively Low | 54.2 | $74K |
| Winter Weather | Relatively Low | 45.0 | $39K |
| Hail | Relatively Low | 41.9 | $137K |
| Heat Wave | Very Low | 34.4 | $124K |
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 | 294 | 0 | $4.4M | 48th of 95 | 563rd of 3,080 |
| Winter storms | 75 | 0 | $14K | 89th of 95 | 1863rd of 3,077 |
| Hail | 73 | 0 | $22K | 86th of 95 | 2055th of 3,080 |
| High wind and dust storms | 42 | 0 | $596K | 9th of 95 | 931st of 3,080 |
| Floods | 39 | 0 | $28M | 85th of 95 | 1468th of 3,080 |
| Tornadoes | 20 | 0 | $21M | 76th of 95 | 2193rd of 3,080 |
| Drought | 2 | 0 | – | 92nd of 95 | 2420th of 3,063 |
| Lightning | 1 | 0 | $19K | 80th of 95 | 2051st 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 Monroe County record: every hazard by year and month, the deadliest events and FEMA's declarations.