Natural hazards · Manchester

Manchester, TN natural hazards

Most of the natural-hazard damage FEMA expects in Manchester comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1990. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Manchester?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Manchester to be higher than in 56% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding36%Tornadoes22%Earthquakes18%Cold waves16%Everything else8%

By hazard

What Manchester faces

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

Inland flooding

36% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once a year in the area

Tornadoes

22% of expected damage

Well above average · higher than 96% of U.S. places

Earthquakes

18% of expected damage

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

Cold waves

16% of expected damage

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

Recorded about once a year 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 Manchester flood?

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

3paid claims since 1990

$11Kpaid to owners

0homes flooded more than once

19902026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Coffee County.

Disasters that hit Manchester

5 federal disasters brought FEMA money here

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

Brought FEMA money into ManchesterDeclared for Coffee County only

2019

Severe Storms, Flooding, Landslides, and Mudslides

$3K to the City of Manchester for repairs

2015

Severe Winter Storm and Flooding

$66K to the City of Manchester for repairs

2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $2K aid approved

2002

Severe Storms and Tornados

79 households applied for aid $178K aid approved

1998

Severe Winter Storm

$158K to the City of Manchester for repairs

Coffee County has had 18 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. Manchester covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Manchester’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Manchester. 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 Manchester total about $2.6M 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.