Natural hazards · Portland

Portland, TN natural hazards

Most of the natural-hazard damage FEMA expects in Portland comes from tornadoes, and overall the risk is very low for a U.S. community. Flood insurance has paid 12 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

How exposed is Portland?

15
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Portland to be higher than in 15% of U.S. communities, mostly from tornadoes and earthquakes.

Tornadoes25%Earthquakes23%Inland flooding22%Cold waves15%Strong wind5%Everything else9%
By hazard

What Portland faces

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

Tornadoes

25% of expected damage
Well above average · higher than 83% of U.S. places

Earthquakes

23% of expected damage
Well above average · higher than 81% of U.S. places

Inland flooding

22% of expected damage
Well below average · higher than 3% of U.S. places
Recorded about 2 times a year in the area

Cold waves

15% of expected damage
Below average · higher than 44% of U.S. places
Recorded about once a year in the area

Strong wind

5% of expected damage
Above average · higher than 73% of U.S. places
Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Portland flood?

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

12paid claims since 1978
$109Kpaid to owners
1homes flooded more than once
19782026

Biggest named events

  • Late spring storms: 1 claim, $17K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

9 federal disasters brought FEMA money here

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

Brought FEMA money into PortlandDeclared for Sumner County only
2026

Severe Winter Storm

94 households applied for aid $206K aid approved $248K to the City of Portland for repairs
2023

Severe Storms and Tornadoes

5 households applied for aid
2023

Severe Storms, Straight-Line Winds, and Tornado

$313K to the City of Portland for repairs
2021

Severe Storms, Straight-Line Winds, and Tornadoes

16 households applied for aid
2010

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

84 households applied for aid $260K aid approved $247K to the City of Portland for repairs
2008

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

5 households applied for aid
2006

Severe Storms and Tornadoes

1 household applied for aid
2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
2002

Severe Storms and Tornados

13 households applied for aid $8K aid approved
Sumner County has had 19 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. Portland covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Portland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Portland. 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 Portland total about $1.9M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01