Overton County, Tennessee: hazard risk
FEMA rates Overton County's overall risk Very Low (score 22.2 of 100, higher than 22% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by lightning. Its storm record holds 498 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 |
|---|---|---|---|
| Lightning | Relatively High | 90.7 | $1.2M |
| Winter Weather | Relatively Low | 56.6 | $76K |
| Cold Wave | Relatively Low | 52.4 | $971K |
| Tornado | Relatively Low | 45.2 | $994K |
| Strong Wind | Relatively Low | 43.6 | $427K |
| Drought | Relatively Low | 42.3 | $78K |
| Hail | Relatively Low | 40.5 | $169K |
| Ice Storm | Relatively Low | 40.4 | $50K |
| Earthquake | Very Low | 53.8 | $310K |
| Landslide | Very Low | 47.6 | $1K |
| Hurricane | Very Low | 39.7 | $27K |
| Wildfire | Very Low | 28.3 | $12K |
| Riverine Flooding | Very Low | 27.4 | $3.0M |
| Heat Wave | Very Low | 16.7 | $41K |
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 | 170 | 0 | $1.4M | 63rd of 95 | 823rd of 3,080 |
| Winter storms | 130 | 0 | $6.7M | 12th of 95 | 578th of 3,077 |
| Hail | 59 | 0 | $226K | 69th of 95 | 1779th of 3,080 |
| Drought | 51 | 0 | $427K | 22nd of 95 | 480th of 3,063 |
| Floods | 42 | 0 | $20M | 52nd of 95 | 1019th of 3,080 |
| High wind and dust storms | 17 | 0 | $372K | 12th of 95 | 1169th of 3,080 |
| Tornadoes | 14 | 3 | $31M | 67th of 95 | 1891st of 3,080 |
| Lightning | 9 | 2 | $1.1M | 16th of 95 | 404th of 3,080 |
| Extreme cold | 2 | 0 | – | 33rd of 95 | 2332nd of 3,076 |
| Heavy rain | 1 | 0 | – | 46th of 95 | 1830th 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 Overton County record: every hazard by year and month, the deadliest events and FEMA's declarations.