Natural hazards · Falling Water

Falling Water, TN natural hazards

Most of the natural-hazard damage FEMA expects in Falling Water comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 11 claims here since 2003.

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

Expected damage

How exposed is Falling Water?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Falling Water to be higher than in 92% of U.S. communities, mostly from inland flooding.

Inland flooding81%Tornadoes11%Everything else8%

By hazard

What Falling Water faces

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

Inland flooding

81% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Falling Water flood?

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

11paid claims since 2003

$135Kpaid to owners

0homes flooded more than once

20032026

Biggest named events

Heavy rains: 2 claims, $47K
Early winter storms: 1 claim, $7K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hamilton County.

Disasters that hit Falling Water

Federal disasters declared here

None of the disasters declared for Hamilton County shows FEMA aid or repair money reaching Falling Water itself in FEMA’s records.

Brought FEMA money into Falling WaterDeclared for Hamilton County only

Hamilton County has had 22 natural disasters declared since 1953, most often severe storms and floods.

Around Falling Water

Falling Water and the towns around it

Very lowLowModerateHighVery high

Falling Watermostly inland floodingVery high

Mowbray Mountainmostly inland floodingHigh

Chattanoogamostly inland floodingHigh

Soddy-Daisymostly inland floodingModerate

Waldenmostly inland floodingLow

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. Falling Water covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Falling Water’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Falling Water. 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 Falling Water total about $2.1M 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.