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Natural hazards · Brighton

Brighton, TN natural hazards

Most of the natural-hazard damage FEMA expects in Brighton comes from earthquakes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 2010. 8 federal disasters brought FEMA money into town.

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

How exposed is Brighton?

56
Moderate
vs. U.S. communities

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

Earthquakes32%Tornadoes23%Inland flooding20%Cold waves12%Heat waves8%Everything else6%
By hazard

What Brighton faces

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

Earthquakes

32% of expected damage
Well above average · higher than 87% of U.S. places

Tornadoes

23% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 53 years in the area

Inland flooding

20% of expected damage
Below average · higher than 32% of U.S. places
Recorded about 2 times a year in the area

Cold waves

12% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 2 times a year in the area

Heat waves

8% 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 Brighton flood?

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

6paid claims since 2010
$398Kpaid to owners
0homes flooded more than once
20102026

Biggest named events

  • Late spring storms: 5 claims, $335K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Brighton 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.
Disasters that hit Brighton

8 federal disasters brought FEMA money here

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

Brought FEMA money into BrightonDeclared for Tipton County only
2025

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

$59K to the Town of Brighton for repairs
2023

Severe Storms, Straight-Line Winds, and Tornadoes

98 households applied for aid $111K aid approved
2022

Severe Winter Storm

$105K to the Town of Brighton for repairs
2011

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

3 households applied for aid
2010

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

122 households applied for aid $263K aid approved $49K to the Town of Brighton for repairs
2008

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

5 households applied for aid $2K aid approved
2003

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $11K aid approved
2002

Severe Storms and Tornados

1 household applied for aid
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. Brighton covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Brighton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Brighton. 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 Brighton total about $3.1M 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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