Natural hazards · Harrison

Harrison, TN natural hazards

Most of the natural-hazard damage FEMA expects in Harrison comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 13 claims here since 2000. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harrison?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harrison to be higher than in 30% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding38%Tornadoes33%Earthquakes12%Cold waves6%Strong wind5%Everything else6%

By hazard

What Harrison faces

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

Inland flooding

38% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

33% of expected damage

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

Earthquakes

12% of expected damage

Well above average · higher than 77% 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 56% 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 Harrison flood?

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

13paid claims since 2000

$286Kpaid to owners

0homes flooded more than once

20002026

Biggest named events

Heavy rains: 2 claims, $65K
Early winter storms: 1 claim, $20K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Harrison 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 Harrison

4 federal disasters brought FEMA money here

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

Brought FEMA money into HarrisonDeclared for Hamilton County only

2020

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

11 households applied for aid $4K aid approved

2012

Severe Storms, Tornadoes, Straight-Line Winds and

144 households applied for aid $151K aid approved

2011

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

57 households applied for aid $19K aid approved

2003

Severe Storms, Tornadoes, and Flooding

26 households applied for aid $77K aid approved

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

Around Harrison

Harrison and the towns around it

Very lowLowModerateHighVery high

Chattanoogamostly inland floodingHigh

Harrisonmostly 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. Harrison covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harrison’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Harrison. 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 Harrison total about $1.9M 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.