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Natural hazards · Dickson

Dickson, TN natural hazards

Most of the natural-hazard damage FEMA expects in Dickson comes from earthquakes, and overall the risk is low for a U.S. community. Flood insurance has paid 31 claims here since 1989. 10 federal disasters brought FEMA money into town.

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

How exposed is Dickson?

33
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dickson to be higher than in 33% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes36%Inland flooding25%Tornadoes18%Cold waves11%Everything else9%
By hazard

What Dickson faces

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

Earthquakes

36% of expected damage
Well above average · higher than 84% of U.S. places

Inland flooding

25% of expected damage
Well below average · higher than 9% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

18% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 33 years in the area

Cold waves

11% of expected damage
Below average · higher than 42% of U.S. places
Recorded about once 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 Dickson flood?

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

31paid claims since 1989
$2.9Mpaid to owners
3homes flooded more than once
19892026

Biggest named events

  • Tennessee Flooding: 3 claims, $617K
  • Central U.S. April Flooding: 1 claim, $7K
  • Heavy rains: 1 claim, $13K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Dickson isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dickson County.
Disasters that hit Dickson

10 federal disasters brought FEMA money here

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

Brought FEMA money into DicksonDeclared for Dickson County only
2026

Severe Winter Storm

45 households applied for aid $11K aid approved
2025

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

4 households applied for aid $10K aid approved
2023

Severe Storms and Tornadoes

13 households applied for aid
2021

Severe Storms, Straight-Line Winds, and Tornadoes

46 households applied for aid $16K aid approved
2021

Severe Storm and Flooding

496 households applied for aid $355K aid approved $31K to the City of Dickson for repairs
2014

Severe Winter Storm

$29K to the City of Dickson for repairs
2011

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

$44K to the City of Dickson for repairs
2010

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

259 households applied for aid $371K aid approved $289K to the City of Dickson for repairs
2006

Severe Storms and Tornadoes

1 household applied for aid
2003

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $2K aid approved
Dickson County has had 22 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. Dickson 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 Dickson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Dickson. 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.

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