Natural hazards · Celina

Celina, TN natural hazards

Most of the natural-hazard damage FEMA expects in Celina comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 11 claims here since 2010. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Celina?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Celina to be higher than in 87% of U.S. communities, mostly from inland flooding.

Inland flooding65%Tornadoes12%Cold waves8%Strong wind5%Everything else10%

By hazard

What Celina faces

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

Inland flooding

65% of expected damage

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

Recorded about once a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 10 years in the area

Cold waves

8% of expected damage

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

Recorded about once a year in the area

Strong wind

5% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Celina flood?

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

11paid claims since 2010

$212Kpaid to owners

2homes flooded more than once

20102026

Biggest named events

Late spring storms: 7 claims, $135K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clay County.

Disasters that hit Celina

2 federal disasters brought FEMA money here

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

Brought FEMA money into CelinaDeclared for Clay County only

2026

Severe Winter Storm

49 households applied for aid $63K aid approved

2010

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

86 households applied for aid $262K aid approved

Clay County has had 19 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. Celina 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 Celina’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Celina. 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.