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Natural hazards · Erin

Erin, TN natural hazards

Most of the natural-hazard damage FEMA expects in Erin comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 40 claims here since 1979. 10 federal disasters brought FEMA money into town.

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

How exposed is Erin?

76
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Erin to be higher than in 76% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding34%Earthquakes23%Tornadoes17%Strong wind11%Cold waves11%Everything else5%
By hazard

What Erin faces

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

Inland flooding

34% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about once a year in the area

Earthquakes

23% of expected damage
Well above average · higher than 84% of U.S. places

Tornadoes

17% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about once every 33 years in the area

Strong wind

11% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 5 times a year in the area

Cold waves

11% of expected damage
Below average · higher than 43% of U.S. places
Recorded about once 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 Erin flood?

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

40paid claims since 1979
$1.6Mpaid to owners
5homes flooded more than once
19792026

Biggest named events

  • Late spring storms: 12 claims, $801K
  • Tennessee Flooding: 5 claims, $455K
  • Mid-spring storms: 3 claims, $56K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

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

What’s been done with FEMA grants

30flood-prone properties bought out and cleared
Disasters that hit Erin

10 federal disasters brought FEMA money here

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

Brought FEMA money into ErinDeclared for Houston County only
2023

Severe Storms, Straight-Line Winds, and Tornado

$4K to the City of Erin for repairs
2021

Severe Storm and Flooding

106 households applied for aid $93K aid approved $38K to the City of Erin for repairs
2020

Severe Storms, Straight-Line Winds, and Flooding

$18K to the City of Erin for repairs
2019

Severe Storm and Straight-Line Winds

$12K to the City of Erin for repairs
2011

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

$13K to the City of Erin for repairs
2010

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

222 households applied for aid $552K aid approved $117K to the City of Erin for repairs
2008

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

1 household applied for aid
2003

Severe Storms, Tornadoes, and Flooding

$16K to the City of Erin for repairs
2003

Severe Storms and Flooding

$11K to the City of Erin for repairs
2000

Severe Storms, Tornadoes, and Flooding

$45K to the City of Erin for repairs
Houston County has had 24 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. Erin 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 Erin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Erin. 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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