Natural hazards · Decherd

Decherd, TN natural hazards

Most of the natural-hazard damage FEMA expects in Decherd comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1990. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Decherd?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Decherd to be higher than in 55% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding41%Earthquakes18%Tornadoes17%Cold waves16%Everything else8%

By hazard

What Decherd faces

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

Inland flooding

41% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once a year in the area

Earthquakes

18% of expected damage

Well above average · higher than 81% of U.S. places

Tornadoes

17% of expected damage

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

Cold waves

16% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Decherd flood?

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

3paid claims since 1990

$23Kpaid to owners

0homes flooded more than once

19902026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Decherd 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 Decherd

1 federal disaster brought FEMA money here

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

Brought FEMA money into DecherdDeclared for Franklin County only

1998

Severe Winter Storm

$3K to the City of Decherd for repairs

Franklin County has had 12 natural disasters declared since 1953, most often severe storms and winter storms.

Around Decherd

Decherd and the towns around it

Very lowLowModerateHighVery high

Estill Springsmostly inland floodingHigh

Decherdmostly inland floodingModerate

Winchestermostly inland floodingModerate

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. Decherd covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Decherd’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Decherd. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Decherd total about $1.8M a year, counting buildings, people and crops.

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.