Natural hazards · Henderson

Henderson, TN natural hazards

Most of the natural-hazard damage FEMA expects in Henderson comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1997. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Henderson?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Henderson to be higher than in 65% of U.S. communities, mostly from earthquakes and tornadoes.

Earthquakes53%Tornadoes16%Inland flooding12%Cold waves12%Everything else7%

By hazard

What Henderson faces

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

Earthquakes

53% of expected damage

Well above average · higher than 90% of U.S. places

Tornadoes

16% of expected damage

Well above average · higher than 95% of U.S. places

Inland flooding

12% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about once a year in the area

Cold waves

12% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Henderson flood?

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

1paid claims since 1997

$28Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Chester County.

Disasters that hit Henderson

5 federal disasters brought FEMA money here

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

Brought FEMA money into HendersonDeclared for Chester County only

2026

Severe Winter Storm

167 households applied for aid $322K aid approved $97K to the City of Henderson for repairs

2011

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

$185K to the City of Henderson for repairs

2010

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

41 households applied for aid $81K aid approved $86K to the City of Henderson for repairs

2009

Severe Storms and Flooding

$27K to the City of Henderson for repairs

2003

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $4K aid approved

Chester County has had 13 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. Henderson covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Henderson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Henderson. 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 Henderson total about $5.2M 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.