Natural hazards · Finger

Finger, TN natural hazards

Most of the natural-hazard damage FEMA expects in Finger comes from earthquakes, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Finger?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Finger to be higher than in 64% of U.S. communities, mostly from earthquakes and cold waves.

Earthquakes32%Cold waves22%Inland flooding21%Tornadoes11%Heat waves6%Everything else8%

By hazard

What Finger faces

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

Earthquakes

32% of expected damage

Well above average · higher than 86% of U.S. places

Cold waves

22% of expected damage

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

Recorded about 2 times a year in the area

Inland flooding

21% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

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

Recorded about once every 25 years in the area

Heat waves

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 15 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Finger flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McNairy County.

Disasters that hit Finger

5 federal disasters brought FEMA money here

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

Brought FEMA money into FingerDeclared for McNairy County only

2026

Severe Winter Storm

40 households applied for aid $85K aid approved

2025

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

1 household applied for aid $5K aid approved

2023

Severe Storms, Straight-Line Winds, and Tornadoes

2 households applied for aid $4K aid approved

2010

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

10 households applied for aid $11K aid approved

2008

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

1 household applied for aid

McNairy County has had 17 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. Finger 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 Finger’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Finger. 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.