Natural hazards · Ramer

Ramer, TN natural hazards

Most of the natural-hazard damage FEMA expects in Ramer comes from earthquakes, and overall the risk is moderate for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ramer?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ramer to be higher than in 49% of U.S. communities, mostly from earthquakes and cold waves.

Earthquakes25%Cold waves24%Inland flooding23%Tornadoes12%Heat waves6%Strong wind6%Everything else5%

By hazard

What Ramer faces

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

Earthquakes

25% of expected damage

Well above average · higher than 84% of U.S. places

Cold waves

24% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 2 times a year in the area

Inland flooding

23% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 13 years in the area

Heat waves

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 15 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Ramer flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McNairy County.

Disasters that hit Ramer

6 federal disasters brought FEMA money here

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

Brought FEMA money into RamerDeclared for McNairy County only

2026

Severe Winter Storm

60 households applied for aid $141K aid approved

2025

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

2 households applied for aid $6K aid approved

2023

Severe Storms, Straight-Line Winds, and Tornadoes

3 households applied for aid $2K aid approved

2019

Severe Storm and Straight-Line Winds

$17K to the City of Ramer for repairs

2010

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

12 households applied for aid $5K aid approved

2008

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

11 households applied for aid $12K aid approved $5K to the City of Ramer for repairs

McNairy County has had 17 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. Ramer 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 Ramer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ramer. 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.