Natural hazards · Oak Hill

Oak Hill, TN natural hazards

Most of the natural-hazard damage FEMA expects in Oak Hill comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 36 claims here since 1993. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Oak Hill?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oak Hill to be higher than in 49% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding59%Earthquakes28%Tornadoes8%Everything else6%

By hazard

What Oak Hill faces

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

Inland flooding

59% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

28% of expected damage

Well above average · higher than 82% of U.S. places

Tornadoes

8% of expected damage

Above average · higher than 66% 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 Oak Hill flood?

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

36paid claims since 1993

$1.1Mpaid to owners

4homes flooded more than once

19932026

Biggest named events

Late spring storms: 12 claims, $326K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Davidson County.

Disasters that hit Oak Hill

5 federal disasters brought FEMA money here

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

Brought FEMA money into Oak HillDeclared for Davidson County only

2026

Severe Winter Storm

$1.8M to the City of Oak Hill for repairs

2011

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

$61K to the City of Oak Hill for repairs

2010

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

$303K to the City of Oak Hill for repairs

2000

Severe Storms, Tornadoes, and Flooding

$57K to the City of Oak Hill for repairs

1999

Severe Storms, Tornadoes and Flooding

$73K to the City of Oak Hill for repairs

Davidson County has had 23 natural disasters declared since 1953, most often severe storms and tornadoes.

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. Oak Hill covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Oak Hill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Oak Hill. 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 Oak Hill total about $3.9M 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.