Natural hazards · Flat Top Mountain

Flat Top Mountain, TN natural hazards

Most of the natural-hazard damage FEMA expects in Flat Top Mountain comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2004.

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

Expected damage

How exposed is Flat Top Mountain?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flat Top Mountain to be higher than in 36% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes32%Earthquakes6%Cold waves6%Strong wind5%Everything else9%

By hazard

What Flat Top Mountain faces

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

Inland flooding

43% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

32% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 24 years in the area

Earthquakes

6% of expected damage

Above average · higher than 71% of U.S. places

Cold waves

6% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 2 years in the area

Strong wind

5% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Flat Top Mountain flood?

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

3paid claims since 2004

$47Kpaid to owners

0homes flooded more than once

20042026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Flat Top Mountain 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 Flat Top Mountain

Federal disasters declared here

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

Brought FEMA money into Flat Top MountainDeclared for Hamilton County only

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

Around Flat Top Mountain

Flat Top Mountain and the towns around it

Very lowLowModerateHighVery high

Mowbray Mountainmostly inland floodingHigh

Soddy-Daisymostly inland floodingModerate

Flat Top Mountainmostly 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. Flat Top Mountain covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Flat Top Mountain’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Flat Top Mountain. 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 Flat Top Mountain total about $490K 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.