Natural hazards · Coalfield

Coalfield, TN natural hazards

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

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

Expected damage

How exposed is Coalfield?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coalfield to be higher than in 71% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves21%Tornadoes9%Strong wind8%Everything else10%

By hazard

What Coalfield faces

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

Inland flooding

53% of expected damage

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

Recorded about once a year in the area

Cold waves

21% of expected damage

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

Recorded about once a year in the area

Tornadoes

9% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 43 years in the area

Strong wind

8% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Coalfield flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Morgan County.

Disasters that hit Coalfield

Federal disasters declared here

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

Brought FEMA money into CoalfieldDeclared for Morgan County only

Morgan County has had 18 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. Coalfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Coalfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to Coalfield. 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 Coalfield total about $1.4M 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.