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Natural hazards · McKenzie

McKenzie, TN natural hazards

Most of the natural-hazard damage FEMA expects in McKenzie comes from earthquakes, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

How exposed is McKenzie?

75
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in McKenzie to be higher than in 75% of U.S. communities, mostly from earthquakes and cold waves.

Earthquakes51%Cold waves16%Tornadoes15%Inland flooding8%Everything else10%
By hazard

What McKenzie faces

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

Earthquakes

51% of expected damage
Well above average · higher than 92% of U.S. places

Cold waves

16% of expected damage
Below average · higher than 45% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

15% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once every 38 years in the area

Inland flooding

8% of expected damage
Well below average · higher than 10% 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 McKenzie flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. McKenzie isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Carroll County.

What’s been done with FEMA grants

2storm safe rooms built
Disasters that hit McKenzie

5 federal disasters brought FEMA money here

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

Brought FEMA money into McKenzieDeclared for Carroll County only
2025

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

$46K to the City of McKenzie for repairs
2014

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

$8K to the City of McKenzie for repairs
2011

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

$3K to the City of McKenzie for repairs
2011

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

$114K to the City of McKenzie for repairs
2010

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

$79K to the City of McKenzie for repairs
Carroll County has had 20 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. McKenzie 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 McKenzie’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of McKenzie. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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