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Natural hazards · Murfreesboro

Murfreesboro, TN natural hazards

Most of the natural-hazard damage FEMA expects in Murfreesboro comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 72 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

How exposed is Murfreesboro?

51
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Murfreesboro to be higher than in 51% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves18%Earthquakes15%Tornadoes11%Everything else6%
By hazard

What Murfreesboro faces

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

Inland flooding

50% of expected damage
Above average · higher than 67% of U.S. places
Recorded about 2 times a year in the area

Cold waves

18% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once a year in the area

Earthquakes

15% of expected damage
Well above average · higher than 80% of U.S. places

Tornadoes

11% of expected damage
Above average · higher than 60% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Murfreesboro flood?

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

72paid claims since 1979
$1.7Mpaid to owners
9homes flooded more than once
19792026

Biggest named events

  • Late spring storms: 17 claims, $134K
  • Heavy rains: 9 claims, $557K
  • Mid-spring storms: 1 claim, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Murfreesboro isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rutherford County.

What’s been done with FEMA grants

40flood-prone properties bought out and cleared
Disasters that hit Murfreesboro

6 federal disasters brought FEMA money here

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

Brought FEMA money into MurfreesboroDeclared for Rutherford County only
2026

Severe Winter Storm

256 households applied for aid $97K aid approved
2023

Severe Storms, Straight-Line Winds, and Tornadoes

46 households applied for aid $1K aid approved
2010

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

487 households applied for aid $1.3M aid approved $344K to the City of Murfreesboro for repairs
2009

Severe Storms, Tornadoes, and Flooding

$2.9M to the City of Murfreesboro for repairs
2003

Severe Storms, Tornadoes, and Flooding

363 households applied for aid $90K aid approved $654K to the City of Murfreesboro for repairs
2002

Severe Storms and Tornados

15 households applied for aid $93 aid approved
Rutherford County has had 14 natural disasters declared since 1953, most often severe storms and winter storms.
Around Murfreesboro

Murfreesboro and the towns around it

Rockvale: Low, mostly inland floodingWalterhill: Moderate, mostly inland floodingSmyrna: High, mostly inland floodingLa Vergne: Low, mostly inland floodingMurfreesboro: Moderate, mostly inland flooding MurfreesboroRockvaleWalterhillSmyrna
Very lowLowModerateHighVery high
Smyrnamostly inland floodingHigh
Murfreesboromostly inland floodingModerate
Walterhillmostly inland floodingModerate
Rockvalemostly 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. Murfreesboro covers 25 census tracts, combined by population.
Money that reached townFlood claims are matched to Murfreesboro’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Murfreesboro. 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 Murfreesboro total about $53.8M 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.

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