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Natural hazards · Lexington

Lexington, TN natural hazards

Most of the natural-hazard damage FEMA expects in Lexington comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2010. 11 federal disasters brought FEMA money into town.

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

How exposed is Lexington?

67
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lexington to be higher than in 67% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes46%Inland flooding16%Cold waves15%Tornadoes15%Everything else9%
By hazard

What Lexington faces

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

Earthquakes

46% of expected damage
Well above average · higher than 90% of U.S. places

Inland flooding

16% of expected damage
Below average · higher than 29% of U.S. places
Recorded about once a year in the area

Cold waves

15% of expected damage
Below average · higher than 43% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

15% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 37 years 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 Lexington flood?

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

3paid claims since 2010
$94Kpaid to owners
0homes flooded more than once
20102026

Biggest named events

  • Late spring storms: 3 claims, $94K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Lexington isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Henderson County.
Disasters that hit Lexington

11 federal disasters brought FEMA money here

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

Brought FEMA money into LexingtonDeclared for Henderson County only
2026

Severe Winter Storm

105 households applied for aid $190K aid approved $52K to the City of Lexington for repairs
2025

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

$46K to the City of Lexington for repairs
2022

Severe Winter Storm

$4K to the City of Lexington for repairs
2021

Severe Storms, Straight-Line Winds, and Tornadoes

49 households applied for aid $32K aid approved $17K to the City of Lexington for repairs
2021

Severe Storms, Tornadoes, and Flooding

$54K to the City of Lexington for repairs
2011

Severe Storms, Straight-Line Winds, Tornadoes, and

$2K to the City of Lexington for repairs
2011

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

1 household applied for aid
2011

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

$801 to the City of Lexington for repairs
2010

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

131 households applied for aid $171K aid approved $40K to the City of Lexington for repairs
2003

Severe Storms, Tornadoes, and Flooding

379 households applied for aid $323K aid approved $1.3M to the City of Lexington for repairs
1999

Severe Storms, Tornadoes and Flooding

$391K to the City of Lexington for repairs
Henderson County has had 23 natural disasters declared since 1953, most often severe storms and tornadoes.
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. Lexington 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 Lexington’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lexington. 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.

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