Natural hazards · Alcoa

Alcoa, TN natural hazards

Most of the natural-hazard damage FEMA expects in Alcoa comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 12 claims here since 1981. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Alcoa?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Alcoa to be higher than in 37% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding43%Earthquakes33%Tornadoes8%Cold waves7%Everything else9%

By hazard

What Alcoa faces

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

Inland flooding

43% of expected damage

Below average · higher than 32% of U.S. places

Recorded about once a year in the area

Earthquakes

33% of expected damage

Well above average · higher than 83% of U.S. places

Tornadoes

8% of expected damage

Above average · higher than 68% of U.S. places

Cold waves

7% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 2 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

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 Alcoa flood?

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

12paid claims since 1981

$837Kpaid to owners

3homes flooded more than once

19812026

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. Alcoa isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Blount County.

Disasters that hit Alcoa

6 federal disasters brought FEMA money here

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

Brought FEMA money into AlcoaDeclared for Blount County only

2019

Severe Storms, Flooding, Landslides, and Mudslides

$14K to the City of Alcoa for repairs

2017

Severe Storms, Straight-Line Winds, and Flooding

$215K to the City of Alcoa for repairs

2015

Severe Winter Storm and Flooding

$306K to the City of Alcoa for repairs

2011

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

2 households applied for aid $222K to the City of Alcoa for repairs

2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $13K aid approved

2002

Severe Storms and Flooding

$12K to the City of Alcoa for repairs

Blount County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Alcoa

Alcoa and the towns around it

Very lowLowModerateHighVery high

Louisvillemostly inland floodingModerate

Rockfordmostly inland floodingModerate

Alcoamostly inland floodingLow

Maryvillemostly earthquakesLow

Eagleton Villagemostly inland floodingLow

Knoxvillemostly inland floodingLow

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. Alcoa covers 3 census tracts, combined by population.

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

FEMA’s expected losses across Alcoa total about $4.8M a year, counting buildings, people and crops.

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.