Natural hazards · Cross Plains

Cross Plains, TN natural hazards

Most of the natural-hazard damage FEMA expects in Cross Plains comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cross Plains?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cross Plains to be higher than in 41% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding37%Cold waves17%Earthquakes14%Tornadoes13%Strong wind8%Everything else11%

By hazard

What Cross Plains faces

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

Inland flooding

37% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once a year in the area

Cold waves

17% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Earthquakes

14% of expected damage

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

Tornadoes

13% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 25 years in the area

Strong wind

8% of expected damage

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

Recorded about 6 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 Cross Plains flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Robertson County.

Disasters that hit Cross Plains

2 federal disasters brought FEMA money here

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

Brought FEMA money into Cross PlainsDeclared for Robertson County only

2026

Severe Winter Storm

5 households applied for aid

2010

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

11 households applied for aid $40K aid approved

Robertson County has had 11 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. Cross Plains 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 Cross Plains’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cross Plains. 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.