Natural hazards · Luttrell

Luttrell, TN natural hazards

Most of the natural-hazard damage FEMA expects in Luttrell comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1997. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Luttrell?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Luttrell to be higher than in 45% of U.S. communities, mostly from inland flooding.

Inland flooding47%Tornadoes13%Cold waves12%Earthquakes11%Strong wind9%Everything else8%

By hazard

What Luttrell faces

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

Inland flooding

47% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

13% of expected damage

Above average · higher than 55% of U.S. places

Cold waves

12% of expected damage

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

Recorded about once a year in the area

Earthquakes

11% of expected damage

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

Strong wind

9% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Luttrell flood?

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

5paid claims since 1997

$87Kpaid to owners

1homes flooded more than once

19972026

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. Luttrell isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Union County.

Disasters that hit Luttrell

1 federal disaster brought FEMA money here

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

Brought FEMA money into LuttrellDeclared for Union County only

2011

Severe Storms, Tornadoes, and Flooding

$20K to the Town of Luttrell for repairs

Union County has had 13 natural disasters declared since 1953, most often severe storms and floods.

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. Luttrell covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Luttrell’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Luttrell. 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 Luttrell total about $819K 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.