Natural hazards · Luray

Luray, TN natural hazards

Most of the natural-hazard damage FEMA expects in Luray comes from cold waves, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Luray?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Luray to be higher than in 57% of U.S. communities, mostly from cold waves and earthquakes.

Cold waves26%Earthquakes24%Tornadoes21%Inland flooding15%Strong wind6%Heat waves5%Everything else3%

By hazard

What Luray faces

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

Cold waves

26% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

24% of expected damage

Well above average · higher than 86% of U.S. places

Tornadoes

21% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 12 years in the area

Inland flooding

15% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Heat waves

5% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 12 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Luray flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Luray 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 Luray

3 federal disasters brought FEMA money here

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

Brought FEMA money into LurayDeclared for Henderson County only

2026

Severe Winter Storm

4 households applied for aid $6K aid approved

2010

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

3 households applied for aid

2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $4K aid approved

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