Natural hazards · Bowman

Bowman, TN natural hazards

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

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

Expected damage

How exposed is Bowman?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bowman to be higher than in 28% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes21%Cold waves20%Earthquakes8%Strong wind5%Everything else9%

By hazard

What Bowman faces

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

Inland flooding

37% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 33 years in the area

Cold waves

20% of expected damage

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

Recorded about once a year in the area

Earthquakes

8% of expected damage

Above average · higher than 74% of U.S. places

Strong wind

5% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightning

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 Bowman flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cumberland County.

Disasters that hit Bowman

Federal disasters declared here

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

Brought FEMA money into BowmanDeclared for Cumberland County only

Cumberland County has had 23 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. Bowman 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 Bowman’s own flood-insurance community; household aid to the registrant’s city; repair grants to Bowman. 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.