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Natural hazards · Atoka

Atoka, TN natural hazards

Most of the natural-hazard damage FEMA expects in Atoka comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 17 claims here since 2009. 9 federal disasters brought FEMA money into town.

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

How exposed is Atoka?

56
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Atoka to be higher than in 56% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding26%Tornadoes25%Earthquakes20%Cold waves13%Heat waves9%Everything else6%
By hazard

What Atoka faces

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

Inland flooding

26% of expected damage
Below average · higher than 49% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

25% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 92 years in the area

Earthquakes

20% of expected damage
Well above average · higher than 85% of U.S. places

Cold waves

13% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 2 times a year in the area

Heat waves

9% of expected damage
Above average · higher than 67% of U.S. places
Recorded about 19 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Atoka flood?

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

17paid claims since 2009
$682Kpaid to owners
1homes flooded more than once
20092026

Biggest named events

  • Late spring storms: 14 claims, $532K

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. Atoka isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Tipton County.

What’s been done with FEMA grants

3storm safe rooms built
1flood-prone properties bought out and cleared
Disasters that hit Atoka

9 federal disasters brought FEMA money here

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

Brought FEMA money into AtokaDeclared for Tipton County only
2026

Severe Winter Storm

2 households applied for aid $1K aid approved $7K to the Town of Atoka for repairs
2025

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

$166K to the Town of Atoka for repairs
2023

Severe Storms, Straight-Line Winds, and Tornadoes

8 households applied for aid $600 aid approved
2019

Severe Storms, Flooding, Landslides, and Mudslides

$60K to the Town of Atoka for repairs
2014

Severe Winter Storm

$31K to the Town of Atoka for repairs
2011

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

5 households applied for aid $8K aid approved $25K to the Town of Atoka for repairs
2010

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

120 households applied for aid $492K aid approved $59K to the Town of Atoka for repairs
2003

Severe Storms, Tornadoes, and Flooding

11 households applied for aid $14K aid approved $40K to the Town of Atoka for repairs
2002

Severe Storms and Tornados

1 household applied for aid $624 aid approved
Tipton County has had 20 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. Atoka covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Atoka’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Atoka. 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 Atoka 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.

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