Natural hazards · Mount Carmel

Mount Carmel, TN natural hazards

Most of the natural-hazard damage FEMA expects in Mount Carmel comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2019. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Mount Carmel?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Carmel to be higher than in 28% of U.S. communities, mostly from inland flooding.

Inland flooding71%Tornadoes6%Strong wind6%Earthquakes5%Cold waves5%Everything else7%

By hazard

What Mount Carmel faces

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

Inland flooding

71% of expected damage

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

Recorded about once a year in the area

Tornadoes

6% of expected damage

Below average · higher than 37% of U.S. places

Strong wind

6% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

5% of expected damage

Above average · higher than 59% of U.S. places

Cold waves

5% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once 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 Mount Carmel flood?

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

2paid claims since 2019

$20Kpaid to owners

0homes flooded more than once

20192026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hawkins County.

Disasters that hit Mount Carmel

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Mount Carmel itself: aid to households, or repair grants to the Town of Mount Carmel.

Brought FEMA money into Mount CarmelDeclared for Hawkins County only

2024

Tropical Storm Helene

53 households applied for aid $16K aid approved

Hawkins County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Mount Carmel

Mount Carmel and the towns around it

Very lowLowModerateHighVery high

Mount Carmelmostly inland floodingLow

Church Hillmostly inland floodingVery low

Kingsportmostly inland floodingVery 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. Mount Carmel covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Mount Carmel’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Mount Carmel. 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 Mount Carmel total about $855K 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.