Natural hazards · Darden

Darden, TN natural hazards

Most of the natural-hazard damage FEMA expects in Darden comes from earthquakes, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Darden?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Darden to be higher than in 59% of U.S. communities, mostly from earthquakes and cold waves.

Earthquakes26%Cold waves22%Inland flooding19%Tornadoes18%Strong wind8%Everything else8%

By hazard

What Darden faces

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

Earthquakes

26% of expected damage

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

Cold waves

22% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 2 times a year in the area

Inland flooding

19% of expected damage

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

Recorded about once a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 14 years in the area

Strong wind

8% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 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 Darden flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henderson County.

Disasters that hit Darden

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Darden itself: aid to households, or repair grants to Darden.

Brought FEMA money into DardenDeclared for Henderson County only

2026

Severe Winter Storm

10 households applied for aid $12K aid approved

2021

Severe Storms, Straight-Line Winds, and Tornadoes

3 households applied for aid

2010

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

3 households applied for aid $1K aid approved

2003

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $5K aid approved

Henderson County has had 23 natural disasters declared since 1953, most often severe storms and tornadoes.

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. Darden 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 Darden’s own flood-insurance community; household aid to the registrant’s city; repair grants to Darden. 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.