Natural hazards · Hilham

Hilham, TN natural hazards

Most of the natural-hazard damage FEMA expects in Hilham comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Hilham?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hilham to be higher than in 35% of U.S. communities, mostly from inland flooding and lightning.

Inland flooding32%Lightning20%Cold waves17%Tornadoes16%Strong wind7%Everything else10%

By hazard

What Hilham faces

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

Inland flooding

32% of expected damage

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

Recorded about once a year in the area

Lightning

20% of expected damage

Well above average · among the top 1% of U.S. places

Cold waves

17% of expected damage

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

Recorded about once a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 36 years in the area

Strong wind

7% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesDrought

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 Hilham flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Overton County.

Disasters that hit Hilham

1 federal disaster brought FEMA money here

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

Brought FEMA money into HilhamDeclared for Overton County only

2026

Severe Winter Storm

4 households applied for aid $6K aid approved

Overton 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. Hilham covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hilham’s own flood-insurance community; household aid to the registrant’s city; repair grants to Hilham. 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 Hilham total about $544K 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.