Natural hazards · Lawrenceburg

Lawrenceburg, TN natural hazards

Most of the natural-hazard damage FEMA expects in Lawrenceburg comes from earthquakes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 20 claims here since 1998. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lawrenceburg?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lawrenceburg to be higher than in 44% of U.S. communities, mostly from earthquakes and tornadoes.

Earthquakes29%Tornadoes26%Inland flooding25%Cold waves12%Everything else9%

By hazard

What Lawrenceburg faces

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

Earthquakes

29% of expected damage

Well above average · higher than 84% of U.S. places

Tornadoes

26% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 68 years in the area

Inland flooding

25% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about 3 times a year in the area

Cold waves

12% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once 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 Lawrenceburg flood?

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

20paid claims since 1998

$533Kpaid to owners

4homes flooded more than once

19982026

Biggest named events

Heavy rains: 4 claims, $25K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lawrence County.

What’s been done with FEMA grants

39flood-prone properties bought out and cleared

2flood-prone homes bought out and moved

Disasters that hit Lawrenceburg

7 federal disasters brought FEMA money here

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

Brought FEMA money into LawrenceburgDeclared for Lawrence County only

2026

Severe Winter Storm

4 households applied for aid

2023

Severe Storms, Straight-Line Winds, and Tornado

$12K to the City of Lawrenceburg for repairs

2015

Severe Winter Storm and Flooding

$32K to the City of Lawrenceburg for repairs

2010

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

56 households applied for aid $100K aid approved $22K to the City of Lawrenceburg for repairs

2003

Severe Storms, Tornadoes, and Flooding

29 households applied for aid $66K aid approved $613K to the City of Lawrenceburg for repairs

2002

Severe Storms and Flooding

$2K to the City of Lawrenceburg for repairs

1998

Severe Winter Storm

$764 to the City of Lawrenceburg for repairs

Lawrence County has had 22 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. Lawrenceburg is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Lawrenceburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lawrenceburg. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.

Lawrenceburg, TN natural hazards

How exposed is Lawrenceburg?

What Lawrenceburg faces

Earthquakes

Tornadoes

Inland flooding

Cold waves

Lower here

Not a risk here

Does Lawrenceburg flood?

Biggest named events

Homes that flooded again and again

What’s been done with FEMA grants

7 federal disasters brought FEMA money here

Severe Winter Storm

Severe Storms, Straight-Line Winds, and Tornado

Severe Winter Storm and Flooding

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

Severe Storms, Tornadoes, and Flooding

Severe Storms and Flooding

Severe Winter Storm

How to read this page

Where to, neighbor?

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