Natural hazards · Calhoun

Calhoun, TN natural hazards

Most of the natural-hazard damage FEMA expects in Calhoun comes from inland flooding, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Calhoun?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Calhoun to be higher than in 79% of U.S. communities, mostly from inland flooding.

Inland flooding63%Earthquakes11%Tornadoes10%Cold waves6%Everything else10%

By hazard

What Calhoun faces

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

Inland flooding

63% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Earthquakes

11% of expected damage

Well above average · higher than 81% of U.S. places

Tornadoes

10% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 29 years in the area

Cold waves

6% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 2 years 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 Calhoun flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McMinn County.

Disasters that hit Calhoun

3 federal disasters brought FEMA money here

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

Brought FEMA money into CalhounDeclared for McMinn County only

2012

Severe Storms, Tornadoes, Straight-Line Winds and

2 households applied for aid

2011

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

24 households applied for aid $46K aid approved

2003

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $29K aid approved

McMinn County has had 13 natural disasters declared since 1953, most often severe storms and winter storms.

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. Calhoun 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 Calhoun’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Calhoun. 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.