Natural hazards · Gray

Gray, TN natural hazards

Most of the natural-hazard damage FEMA expects in Gray comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gray?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gray to be higher than in 29% of U.S. communities, mostly from inland flooding.

Inland flooding71%Earthquakes9%Strong wind7%Everything else13%

By hazard

What Gray faces

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

Inland flooding

71% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once a year in the area

Earthquakes

9% of expected damage

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

Strong wind

7% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Gray flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Washington County.

Disasters that hit Gray

2 federal disasters brought FEMA money here

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

Brought FEMA money into GrayDeclared for Washington County only

2024

Tropical Storm Helene

13 households applied for aid $2K aid approved

2011

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

5 households applied for aid

Washington County has had 12 natural disasters declared since 1953, most often severe storms and winter storms.

Around Gray

Gray and the towns around it

Very lowLowModerateHighVery high

Spurgeonmostly inland floodingHigh

Graymostly inland floodingLow

Johnson Citymostly inland floodingVery low

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. Gray covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Gray’s own flood-insurance community; household aid to the registrant’s city; repair grants to Gray. 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 Gray total about $1.5M 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.