Natural hazards · Harrogate

Harrogate, TN natural hazards

Most of the natural-hazard damage FEMA expects in Harrogate comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2011. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Harrogate?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harrogate to be higher than in 43% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves18%Tornadoes8%Earthquakes7%Strong wind6%Everything else9%

By hazard

What Harrogate faces

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

Inland flooding

53% of expected damage

Above average · higher than 61% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Above average · higher than 51% of U.S. places

Earthquakes

7% of expected damage

Above average · higher than 73% of U.S. places

Strong wind

6% of expected damage

Well above average · higher than 78% 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 Harrogate flood?

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

3paid claims since 2011

$40Kpaid to owners

0homes flooded more than once

20112026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Claiborne County.

Disasters that hit Harrogate

1 federal disaster brought FEMA money here

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

Brought FEMA money into HarrogateDeclared for Claiborne County only

2012

Severe Storms, Tornadoes, Straight-Line Winds and

62 households applied for aid $39K aid approved

Claiborne County has had 18 natural disasters declared since 1953, most often severe storms and floods.

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. Harrogate covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harrogate’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Harrogate. 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 Harrogate total about $798K 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.