Natural hazards · Gallaway

Gallaway, TN natural hazards

Most of the natural-hazard damage FEMA expects in Gallaway comes from earthquakes, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gallaway?

High

vs. U.S. communities

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

Earthquakes43%Tornadoes21%Inland flooding14%Cold waves8%Heat waves5%Everything else8%

By hazard

What Gallaway faces

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

Earthquakes

43% of expected damage

Well above average · higher than 89% of U.S. places

Tornadoes

21% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 18 years in the area

Inland flooding

14% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about once a year in the area

Cold waves

8% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once a year in the area

Heat waves

5% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 17 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 Gallaway flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fayette County.

Disasters that hit Gallaway

4 federal disasters brought FEMA money here

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

Brought FEMA money into GallawayDeclared for Fayette County only

2026

Severe Winter Storm

2 households applied for aid

2011

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

$9K to the City of Gallaway for repairs

2010

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

5 households applied for aid $234 aid approved $16K to the City of Gallaway for repairs

2006

Severe Storms and Tornadoes

2 households applied for aid

Fayette County has had 16 natural disasters declared since 1953, most often severe storms and winter storms.

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. Gallaway 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 Gallaway’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gallaway. 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.