Natural hazards · Normandy

Normandy, TN natural hazards

Most of the natural-hazard damage FEMA expects in Normandy comes from inland flooding, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Normandy?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Normandy to be higher than in 86% of U.S. communities, mostly from inland flooding.

Inland flooding66%Tornadoes13%Cold waves13%Everything else8%

By hazard

What Normandy faces

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

Inland flooding

66% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 12 years in the area

Cold waves

13% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Normandy flood?

FEMA's records show no paid flood insurance claims in Normandy.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bedford County.

Disasters that hit Normandy

2 federal disasters brought FEMA money here

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

Brought FEMA money into NormandyDeclared for Bedford County only

2003

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $57K aid approved

2002

Severe Storms and Tornados

4 households applied for aid

Bedford County has had 15 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. Normandy 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 Normandy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Normandy. 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.