Natural hazards · Munford

Munford, TN natural hazards

Most of the natural-hazard damage FEMA expects in Munford comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 50 claims here since 2010. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Munford?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Munford to be higher than in 62% of U.S. communities, mostly from earthquakes and tornadoes.

Earthquakes39%Tornadoes21%Inland flooding16%Cold waves11%Heat waves7%Everything else5%

By hazard

What Munford faces

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

Earthquakes

39% of expected damage

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

Tornadoes

21% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 82 years in the area

Inland flooding

16% of expected damage

Below average · higher than 32% of U.S. places

Recorded about 2 times a year in the area

Cold waves

11% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Heat waves

7% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 19 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningDrought

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 Munford flood?

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

50paid claims since 2010

$1.9Mpaid to owners

6homes flooded more than once

20102026

Biggest named events

Late spring storms: 11 claims, $688K
Mid-spring storms: 2 claims, $25K
Central U.S. April Flooding: 2 claims, $41K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (5) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tipton County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Munford

6 federal disasters brought FEMA money here

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

Brought FEMA money into MunfordDeclared for Tipton County only

2023

Severe Storms, Straight-Line Winds, and Tornadoes

19 households applied for aid $76K aid approved

2014

Severe Winter Storm

$33K to the City of Munford for repairs

2011

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

1 household applied for aid $12K aid approved

2010

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

80 households applied for aid $86K aid approved $74K to the City of Munford for repairs

2008

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

2 households applied for aid

2003

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $4K aid approved $3K to the City of Munford for repairs

Tipton County has had 20 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. Munford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Munford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Munford. 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 Munford total about $3.6M 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.