Natural hazards · Cumberland Gap

Cumberland Gap, TN natural hazards

Most of the natural-hazard damage FEMA expects in Cumberland Gap comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2011. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cumberland Gap?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cumberland Gap to be higher than in 43% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves18%Tornadoes8%Earthquakes7%Strong wind6%Everything else9%

By hazard

What Cumberland Gap 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

Above average · higher than 61% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

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

Recorded about once a year in the area

Tornadoes

8% of expected damage

Above average · higher than 51% of U.S. places

Earthquakes

7% of expected damage

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

Strong wind

6% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Cumberland Gap flood?

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

3paid claims since 2011

$40Kpaid to owners

0homes flooded more than once

20112026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Claiborne County.

Disasters that hit Cumberland Gap

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Cumberland Gap itself: aid to households, or repair grants to the Town of Cumberland Gap.

Brought FEMA money into Cumberland GapDeclared for Claiborne County only

2012

Severe Storms, Tornadoes, Straight-Line Winds and

3 households applied for aid

2011

Severe Storms, Straight-Line Winds, Tornadoes, and

$80K to the Town of Cumberland Gap for repairs

Claiborne 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. Cumberland Gap 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 Cumberland Gap’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cumberland Gap. 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.