Humboldt, TN natural hazards
Most of the natural-hazard damage FEMA expects in Humboldt comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 43 claims here since 1979. 9 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Humboldt?
FEMA expects yearly storm and flood damage to homes and buildings in Humboldt to be higher than in 81% of U.S. communities, mostly from earthquakes.
What Humboldt faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Earthquakes
Tornadoes
Inland flooding
Cold waves
Lower here
Not a risk here
Does Humboldt flood?
Every paid claim on a federal flood insurance policy in Humboldt, from FEMA’s records.
Biggest named events
- Late spring storms: 16 claims, $443K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times
are insured
are insured
9 federal disasters brought FEMA money here
Disasters the President declared that paid out in Humboldt itself: aid to households, or repair grants to the City of Humboldt.
Severe Winter Storm
Severe Storms and Tornadoes
Severe Storms, Straight-Line Winds, and Tornadoes
Severe Storms, Tornadoes, Straight-Line Winds, and Associated Flooding
Severe Storms, Straight-Line Winds, Tornadoes, and Flooding
Severe Storms, Flooding, Straight-Line Winds, and Tornadoes
Severe Storms and Tornadoes
Severe Storms, Tornadoes, and Flooding
Severe Storms and Tornados
How to read this page
FEMA’s expected losses across Humboldt total about $3.5M 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.