Natural hazards · Adams

Adams, TN natural hazards

Most of the natural-hazard damage FEMA expects in Adams comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 2016. 4 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Adams?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Adams to be higher than in 52% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding41%Earthquakes17%Cold waves12%Tornadoes11%Strong wind6%Drought5%Everything else8%

By hazard

What Adams faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

41% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once a year in the area

Earthquakes

17% of expected damage

Well above average · higher than 80% of U.S. places

Cold waves

12% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 9 years in the area

Strong wind

6% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 6 times a year in the area

Drought

5% of expected damage

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Adams flood?

Every paid claim on a federal flood insurance policy in Adams, from FEMA’s records.

4paid claims since 2016

$79Kpaid to owners

1homes flooded more than once

20162026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Adams isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Robertson County.

Disasters that hit Adams

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Adams itself: aid to households, or repair grants to the City of Adams.

Brought FEMA money into AdamsDeclared for Robertson County only

2026

Severe Winter Storm

3 households applied for aid

2023

Severe Storms and Tornadoes

1 household applied for aid

2010

Severe Storms, Flooding, Straight-Line Winds, and Tornadoes

23 households applied for aid $34K aid approved $37K to the City of Adams for repairs

2003

Severe Storms, Tornadoes, and Flooding

2 households applied for aid

Robertson County has had 11 natural disasters declared since 1953, most often severe storms and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Adams is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Adams’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Adams. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.