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Natural hazards · Bartlett

Bartlett, TN natural hazards

Most of the natural-hazard damage FEMA expects in Bartlett comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 64 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

How exposed is Bartlett?

49
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bartlett to be higher than in 49% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding31%Earthquakes24%Tornadoes17%Cold waves15%Heat waves12%Everything else1%
By hazard

What Bartlett faces

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

Inland flooding

31% of expected damage
Below average · higher than 39% of U.S. places
Recorded about 5 times a year in the area

Earthquakes

24% of expected damage
Well above average · higher than 84% of U.S. places

Tornadoes

17% of expected damage
Well above average · higher than 95% of U.S. places

Cold waves

15% of expected damage
Above average · higher than 71% of U.S. places
Recorded about 2 times a year in the area

Heat waves

12% of expected damage
Above average · higher than 51% of U.S. places
Recorded about 22 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 Bartlett flood?

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

64paid claims since 1978
$1.6Mpaid to owners
13homes flooded more than once
19782026

Biggest named events

  • Late spring storms: 9 claims, $281K
  • Central U.S. April Flooding: 1 claim, $21K
  • Mid-spring storms: 1 claim, $17K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Bartlett isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Shelby County.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared
Disasters that hit Bartlett

10 federal disasters brought FEMA money here

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

Brought FEMA money into BartlettDeclared for Shelby County only
2026

Severe Winter Storm

197 households applied for aid $240K aid approved $26K to the City of Bartlett for repairs
2025

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

$60K to the City of Bartlett for repairs
2023

Severe Storms and Straight-Line Winds

$2.2M to the City of Bartlett for repairs
2022

Severe Winter Storm

$1.1M to the City of Bartlett for repairs
2014

Severe Winter Storm

$269K to the City of Bartlett for repairs
2011

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

15 households applied for aid $13K aid approved $269K to the City of Bartlett for repairs
2010

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

127 households applied for aid $442K aid approved $108K to the City of Bartlett for repairs
2009

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

$736K to the City of Bartlett for repairs
2008

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

10 households applied for aid
2003

Severe Storms, High Winds, and Heavy Rain

98 households applied for aid $20K aid approved $472K to the City of Bartlett for repairs
Shelby County has had 22 natural disasters declared since 1953, most often severe storms and winter storms.
Around Bartlett

Bartlett and the towns around it

Memphis: High, mostly earthquakesLakeland: Moderate, mostly inland floodingGermantown: High, mostly inland floodingSouthaven: Moderate, mostly earthquakesOlive Branch: Moderate, mostly earthquakesWest Memphis: Very high, mostly earthquakesArlington: Moderate, mostly inland floodingBartlett: Moderate, mostly inland flooding BartlettMemphisLakeland
Very lowLowModerateHighVery high
Memphismostly earthquakesHigh
Bartlettmostly inland floodingModerate
Lakelandmostly 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. Bartlett covers 14 census tracts, combined by population.
Money that reached townFlood claims are matched to Bartlett’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bartlett. 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 Bartlett total about $27.7M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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