Natural hazards · Banner Hill

Banner Hill, TN natural hazards

Most of the natural-hazard damage FEMA expects in Banner Hill comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Banner Hill?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Banner Hill to be higher than in 45% of U.S. communities, mostly from inland flooding.

Inland flooding65%Cold waves15%Strong wind6%Everything else14%

By hazard

What Banner Hill faces

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

Inland flooding

65% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHeat wavesDroughtAvalanchesTsunamisVolcanic 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 Banner Hill flood?

FEMA's records show no paid flood insurance claims in Banner Hill.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Unicoi County.

Disasters that hit Banner Hill

Federal disasters declared here

None of the disasters declared for Unicoi County shows FEMA aid or repair money reaching Banner Hill itself in FEMA’s records.

Brought FEMA money into Banner HillDeclared for Unicoi County only

Unicoi County has had 14 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. Banner Hill 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 Banner Hill’s own flood-insurance community; household aid to the registrant’s city; repair grants to Banner Hill. 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.