Natural hazards · Chesterfield

Chesterfield, TN natural hazards

Most of the natural-hazard damage FEMA expects in Chesterfield comes from earthquakes, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Chesterfield?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chesterfield to be higher than in 59% of U.S. communities, mostly from earthquakes and cold waves.

Earthquakes26%Cold waves22%Inland flooding19%Tornadoes18%Strong wind8%Everything else8%

By hazard

What Chesterfield faces

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

Earthquakes

26% of expected damage

Well above average · higher than 85% of U.S. places

Cold waves

22% of expected damage

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

Recorded about 2 times a year in the area

Inland flooding

19% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 14 years in the area

Strong wind

8% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Chesterfield flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henderson County.

Disasters that hit Chesterfield

Federal disasters declared here

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

Brought FEMA money into ChesterfieldDeclared for Henderson County only

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