Natural hazards · Mowbray Mountain

Mowbray Mountain, TN natural hazards

Most of the natural-hazard damage FEMA expects in Mowbray Mountain comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 12 claims here since 2015.

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

Expected damage

How exposed is Mowbray Mountain?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mowbray Mountain to be higher than in 76% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding69%Tornadoes17%Earthquakes6%Everything else8%

By hazard

What Mowbray Mountain faces

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

Inland flooding

69% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

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

Earthquakes

6% of expected damage

Well above average · higher than 76% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Mowbray Mountain flood?

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

12paid claims since 2015

$244Kpaid to owners

0homes flooded more than once

20152026

Biggest named events

Early winter storms: 2 claims, $9K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Mowbray 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: Hamilton County.

Disasters that hit Mowbray Mountain

Federal disasters declared here

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

Brought FEMA money into Mowbray MountainDeclared for Hamilton County only

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

Around Mowbray Mountain

Mowbray Mountain and the towns around it

Very lowLowModerateHighVery high

Falling Watermostly inland floodingVery high

Mowbray Mountainmostly inland floodingHigh

Soddy-Daisymostly inland floodingModerate

Flat Top Mountainmostly inland floodingLow

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. Mowbray Mountain covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Mowbray Mountain’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Mowbray Mountain. 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 Mowbray Mountain total about $3.1M 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.