Natural hazards · Middle Valley

Middle Valley, TN natural hazards

Most of the natural-hazard damage FEMA expects in Middle Valley comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 22 claims here since 1980.

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

Expected damage

How exposed is Middle Valley?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middle Valley to be higher than in 62% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes26%Everything else18%

By hazard

What Middle Valley faces

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

Inland flooding

56% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

26% of expected damage

Well above average · higher than 88% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Middle Valley flood?

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

22paid claims since 1980

$180Kpaid to owners

0homes flooded more than once

19802026

Biggest named events

Heavy rains: 5 claims, $25K
Early winter storms: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hamilton County.

Disasters that hit Middle Valley

Federal disasters declared here

None of the disasters declared for Hamilton County shows FEMA aid or repair money reaching Middle Valley itself in FEMA’s records.

Brought FEMA money into Middle ValleyDeclared for Hamilton County only

Hamilton County has had 22 natural disasters declared since 1953, most often severe storms and floods.

Around Middle Valley

Middle Valley and the towns around it

Very lowLowModerateHighVery high

Middle Valleymostly inland floodingHigh

Chattanoogamostly inland floodingHigh

Soddy-Daisymostly inland floodingModerate

Lakesitemostly tornadoesVery low

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. Middle Valley covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Middle Valley’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Middle Valley. 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 Middle Valley total about $3.7M 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.