Natural hazards · Lone Oak

Lone Oak, TN natural hazards

Most of the natural-hazard damage FEMA expects in Lone Oak comes from cold waves, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Lone Oak?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lone Oak to be higher than in 51% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves57%Inland flooding22%Tornadoes11%Everything else10%

By hazard

What Lone Oak faces

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

Cold waves

57% of expected damage

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

Recorded about once a year in the area

Inland flooding

22% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 13 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Lone Oak flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sequatchie County.

Disasters that hit Lone Oak

Federal disasters declared here

None of the disasters declared for Sequatchie County shows FEMA aid or repair money reaching Lone Oak itself in FEMA’s records.

Brought FEMA money into Lone OakDeclared for Sequatchie County only

Sequatchie County has had 18 natural disasters declared since 1953, most often severe storms and fires.

Around Lone Oak

Lone Oak and the towns around it

Very lowLowModerateHighVery high

Lone Oakmostly cold wavesModerate

Fairmountmostly 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. Lone Oak 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 Lone Oak’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lone Oak. 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.