Natural hazards · Morris Chapel

Morris Chapel, TN natural hazards

Most of the natural-hazard damage FEMA expects in Morris Chapel comes from inland flooding, and overall the risk is high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Morris Chapel?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morris Chapel to be higher than in 76% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding30%Cold waves25%Earthquakes20%Tornadoes10%Strong wind9%Everything else6%

By hazard

What Morris Chapel faces

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

Inland flooding

30% of expected damage

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

Recorded about once a year in the area

Cold waves

25% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

20% of expected damage

Well above average · higher than 85% of U.S. places

Tornadoes

10% of expected damage

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

Recorded about once every 11 years in the area

Strong wind

9% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Morris Chapel flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hardin County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Morris Chapel

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Morris Chapel itself: aid to households, or repair grants to Morris Chapel.

Brought FEMA money into Morris ChapelDeclared for Hardin County only

2026

Severe Winter Storm

20 households applied for aid $57K aid approved

2025

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

1 household applied for aid $51K aid approved

2023

Severe Storms, Straight-Line Winds, and Tornadoes

45 households applied for aid $71K aid approved

2010

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

10 households applied for aid $31K aid approved

2008

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

55 households applied for aid $57K aid approved

2003

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $37K aid approved

Hardin County has had 24 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. Morris Chapel 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 Morris Chapel’s own flood-insurance community; household aid to the registrant’s city; repair grants to Morris Chapel. 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.