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Natural hazards · Mountain

Mountain, TN natural hazards

Most of the natural-hazard damage FEMA expects in Mountain comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 17 claims here since 1984. 5 federal disasters brought FEMA money into town.

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

How exposed is Mountain?

50
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mountain to be higher than in 50% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding65%Cold waves16%Everything else19%
By hazard

What Mountain faces

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

Inland flooding

65% of expected damage
Above average · higher than 74% of U.S. places
Recorded about once a year in the area

Cold waves

16% of expected damage
Above average · higher than 64% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHeat wavesAvalanchesTsunamisVolcanic 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 Mountain flood?

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

17paid claims since 1984
$791Kpaid to owners
0homes flooded more than once
19842026

Biggest named events

  • Hurricane Helene: 13 claims, $559K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Mountain isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Johnson County.
Disasters that hit Mountain

5 federal disasters brought FEMA money here

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

Brought FEMA money into MountainDeclared for Johnson County only
2024

Tropical Storm Helene

1,277 households applied for aid $3.5M aid approved $5.0M to the Town of Mountain for repairs
2011

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

110 households applied for aid $126K aid approved
2004

Severe Storms and Flooding

$18K to the Town of Mountain for repairs
2003

Severe Storms and Flooding

$58K to the Town of Mountain for repairs
2001

Severe Storms and Flooding

$61K to the Town of Mountain for repairs
Johnson County has had 16 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. Mountain 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 Mountain’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Mountain. 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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