Natural hazards · Apison

Apison, TN natural hazards

Most of the natural-hazard damage FEMA expects in Apison comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2003. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Apison?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Apison to be higher than in 43% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding44%Tornadoes28%Earthquakes11%Cold waves6%Everything else11%

By hazard

What Apison faces

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

Inland flooding

44% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

28% of expected damage

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

Recorded about once every 85 years in the area

Earthquakes

11% of expected damage

Well above average · higher than 78% of U.S. places

Cold waves

6% 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 Apison flood?

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

1paid claims since 2003

$29Kpaid to owners

0homes flooded more than once

20032026

Biggest named events

Heavy rains: 1 claim, $29K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hamilton County.

Disasters that hit Apison

2 federal disasters brought FEMA money here

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

Brought FEMA money into ApisonDeclared for Hamilton County only

2011

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

139 households applied for aid $467K aid approved

2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid

Hamilton County has had 22 natural disasters declared since 1953, most often severe storms and floods.

Around Apison

Apison and the towns around it

Very lowLowModerateHighVery high

Apisonmostly inland floodingModerate

Collegedalemostly inland floodingModerate

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. Apison covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Apison’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Apison. 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 Apison total about $1.3M 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.