Sumner County, Tennessee: hazard risk
FEMA rates Sumner County's overall risk Relatively Moderate (score 87.7 of 100, higher than 87% of rated U.S. counties); 6 of its 14 hazards are rated Relatively High or Very High, led by tornado, strong wind, cold wave. Its storm record holds 884 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 High | 95.5 | $16M |
| Strong Wind | Relatively High | 93.7 | $3.3M |
| Cold Wave | Relatively High | 92.3 | $11M |
| Winter Weather | Relatively High | 88.4 | $456K |
| Ice Storm | Relatively High | 87.6 | $924K |
| Lightning | Relatively High | 82.4 | $1.0M |
| Earthquake | Relatively Moderate | 91.7 | $8.8M |
| Riverine Flooding | Relatively Moderate | 88.6 | $42M |
| Hail | Relatively Moderate | 86.9 | $1.7M |
| Heat Wave | Relatively Low | 74.2 | $1.4M |
| Drought | Relatively Low | 41.6 | $97K |
| Landslide | Very Low | 44.8 | $1K |
| Wildfire | Very Low | 37.8 | $28K |
| Hurricane | Very Low | 32.5 | $22K |
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 | 428 | 0 | $3.9M | 20th of 95 | 197th of 3,080 |
| Hail | 163 | 0 | $9K | 12th of 95 | 617th of 3,080 |
| Winter storms | 87 | 0 | $896K | 31st of 95 | 956th of 3,077 |
| Floods | 84 | 1 | $15M | 12th of 95 | 495th of 3,080 |
| Tornadoes | 45 | 16 | $161M | 7th of 95 | 325th of 3,080 |
| Drought | 25 | 0 | – | 53rd of 95 | 1008th of 3,063 |
| High wind and dust storms | 19 | 2 | $7.3M | 14th of 95 | 1267th of 3,080 |
| Lightning | 11 | 0 | $800K | 11th of 95 | 349th of 3,080 |
| Heavy rain | 10 | 0 | – | 7th of 95 | 698th of 3,080 |
| Heat | 4 | 0 | – | 40th of 95 | 1659th of 3,076 |
| Extreme cold | 2 | 0 | – | 39th of 95 | 2429th 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 Sumner County record: every hazard by year and month, the deadliest events and FEMA's declarations.