Natural hazards · Cowan

Cowan, TN natural hazards

Most of the natural-hazard damage FEMA expects in Cowan comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1993.

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

Expected damage

How exposed is Cowan?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cowan to be higher than in 64% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves19%Tornadoes17%Everything else16%

By hazard

What Cowan faces

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

Inland flooding

48% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Cold waves

19% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

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

Recorded about once every 10 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Cowan flood?

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

4paid claims since 1993

$8Kpaid to owners

1homes flooded more than once

19932026

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. Cowan isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Franklin County.

Disasters that hit Cowan

Federal disasters declared here

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

Brought FEMA money into CowanDeclared for Franklin County only

Franklin County has had 12 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. Cowan 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 Cowan’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cowan. 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.