Natural hazards · Loudon

Loudon, TN natural hazards

Most of the natural-hazard damage FEMA expects in Loudon comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 8 claims here since 1998. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Loudon?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loudon to be higher than in 42% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding41%Earthquakes25%Cold waves11%Tornadoes10%Strong wind6%Everything else7%

By hazard

What Loudon faces

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

Inland flooding

41% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Earthquakes

25% of expected damage

Well above average · higher than 83% of U.S. places

Cold waves

11% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

10% of expected damage

Above average · higher than 69% of U.S. places

Strong wind

6% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Loudon flood?

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

8paid claims since 1998

$86Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Loudon County.

Disasters that hit Loudon

4 federal disasters brought FEMA money here

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

Brought FEMA money into LoudonDeclared for Loudon County only

2023

Severe Storms, Straight-Line Winds, and Tornado

$20K to the City of Loudon for repairs

2015

Severe Winter Storm and Flooding

$32K to the City of Loudon for repairs

2011

Severe Storms, Straight-Line Winds, Tornadoes, and

$40K to the City of Loudon for repairs

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

Loudon County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.

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. Loudon covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Loudon’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Loudon. 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 Loudon total about $1.4M 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.