Collinwood’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Collinwood comes from inland flooding, and overall the risk is high for a U.S. community. 6 federal disasters brought FEMA money into town.
What stands out about Collinwood’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Collinwood flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Collinwood. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Collinwood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wayne County.How exposed is Collinwood?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 75% of U.S. communities, mostly from inland flooding and tornadoes.
Rated higher than 416 of the 503 Tennessee towns we cover.
Collinwood is smaller than a census tract, so it shares the figures of the tract around its center.
What Collinwood faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Cold waves
Earthquakes
6 federal disasters brought FEMA money to Collinwood
Disasters that paid out in Collinwood itself (aid to households or repair grants to the City of Collinwood) and its biggest flood years.
- 2026Severe Winter Storm6 households applied for aid$1K aid approved
- 2023Severe Storms, Straight-Line Winds, and Tornadoes1 household applied for aid
- 2010Severe Storms, Flooding, Straight-Line Winds, and Tornadoes21 households applied for aid$24K aid approved$19K to the City of Collinwood for repairs
- 2008Severe Storms, Tornadoes, Straight-Line Winds, and Flooding1 household applied for aid
- 2003Severe Storms, Tornadoes, and Flooding9 households applied for aid$11K aid approved
- 2002Severe Storms and Flooding$4K to the City of Collinwood for repairs
Wayne County has had 23 natural disasters declared since 1953, most often severe storms and floods.
Old photos of Collinwood after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Collinwood archive →Get ready for what Collinwood actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in February–April
The month each of Wayne County’s 23 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Collinwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Collinwood.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Collinwood.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.