Natural hazards · Beech Bluff

Beech Bluff, TN natural hazards

Most of the natural-hazard damage FEMA expects in Beech Bluff comes from earthquakes, and overall the risk is high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Beech Bluff?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Beech Bluff to be higher than in 65% of U.S. communities, mostly from earthquakes and tornadoes.

Earthquakes33%Tornadoes21%Inland flooding19%Cold waves18%Everything else10%

By hazard

What Beech Bluff faces

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

Earthquakes

33% of expected damage

Well above average · higher than 87% of U.S. places

Tornadoes

21% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 14 years in the area

Inland flooding

19% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 2 times a year in the area

Cold waves

18% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 2 times a year 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 Beech Bluff flood?

FEMA's records show no paid flood insurance claims in Beech Bluff.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Madison County.

Disasters that hit Beech Bluff

6 federal disasters brought FEMA money here

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

Brought FEMA money into Beech BluffDeclared for Madison County only

2026

Severe Winter Storm

14 households applied for aid $4K aid approved

2011

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

1 household applied for aid

2010

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

31 households applied for aid $51K aid approved

2008

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

6 households applied for aid $2K aid approved

2003

Severe Storms, Tornadoes, and Flooding

64 households applied for aid $78K aid approved

2002

Severe Storms and Tornados

1 household applied for aid $3K aid approved

Madison County has had 20 natural disasters declared since 1953, most often severe storms and tornadoes.

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. Beech Bluff 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 Beech Bluff’s own flood-insurance community; household aid to the registrant’s city; repair grants to Beech Bluff. 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.