Natural hazards · Midtown

Midtown, TN natural hazards

Most of the natural-hazard damage FEMA expects in Midtown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 1994.

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

Expected damage

How exposed is Midtown?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Midtown to be higher than in 42% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves25%Earthquakes13%Tornadoes12%Strong wind5%Everything else6%

By hazard

What Midtown faces

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

Inland flooding

40% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once a year in the area

Cold waves

25% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 2 years in the area

Earthquakes

13% of expected damage

Well above average · higher than 80% of U.S. places

Tornadoes

12% of expected damage

Well above average · higher than 80% of U.S. places

Strong wind

5% of expected damage

Well above average · higher than 75% 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 Midtown flood?

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

4paid claims since 1994

$15Kpaid to owners

0homes flooded more than once

19942026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Roane County.

Disasters that hit Midtown

Federal disasters declared here

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

Brought FEMA money into MidtownDeclared for Roane County only

Roane County has had 21 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. Midtown covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Midtown’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Midtown. 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 Midtown total about $1.3M 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.