Natural hazards · Lebanon

Lebanon, TN natural hazards

Most of the natural-hazard damage FEMA expects in Lebanon comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 147 claims here since 1979. 7 federal disasters brought FEMA money into town.

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

How exposed is Lebanon?

50
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lebanon to be higher than in 50% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding45%Earthquakes18%Cold waves14%Tornadoes13%Everything else10%
By hazard

What Lebanon faces

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

Inland flooding

45% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 3 times a year in the area

Earthquakes

18% of expected damage
Well above average · higher than 80% of U.S. places

Cold waves

14% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once a year in the area

Tornadoes

13% of expected damage
Well above average · higher than 84% of U.S. places

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 Lebanon flood?

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

147paid claims since 1979
$3.9Mpaid to owners
9homes flooded more than once
19792026

Biggest named events

  • Late spring storms: 56 claims, $1.5M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Lebanon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wilson County.
Disasters that hit Lebanon

7 federal disasters brought FEMA money here

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

Brought FEMA money into LebanonDeclared for Wilson County only
2026

Severe Winter Storm

86 households applied for aid $42K aid approved $52K to the City of Lebanon for repairs
2025

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

13 households applied for aid $4K aid approved
2021

Severe Storms, Straight-Line Winds, and Tornadoes

38 households applied for aid $3K aid approved
2021

Severe Storms, Tornadoes, and Flooding

87 households applied for aid $190K aid approved $29K to the City of Lebanon for repairs
2020

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

354 households applied for aid $123K aid approved $931K to the City of Lebanon for repairs
2010

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

466 households applied for aid $1.2M aid approved $58K to the City of Lebanon for repairs
2003

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $30K aid approved
Wilson County has had 13 natural disasters declared since 1953, most often severe storms and tornadoes.
Around Lebanon

Lebanon and the towns around it

Gladeville: Moderate, mostly inland floodingMount Juliet: Low, mostly inland floodingGreen Hill: Moderate, mostly inland floodingNashville-Davidson metropolitan government: no dataLebanon: Moderate, mostly inland flooding LebanonGladevilleMount Juliet
Very lowLowModerateHighVery high
Lebanonmostly inland floodingModerate
Gladevillemostly inland floodingModerate
Mount Julietmostly inland floodingLow
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. Lebanon covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Lebanon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lebanon. 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 Lebanon total about $8.4M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01