Natural hazards · Ridgely

Ridgely, TN natural hazards

Most of the natural-hazard damage FEMA expects in Ridgely comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2011. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ridgely?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ridgely to be higher than in 93% of U.S. communities, mostly from earthquakes.

Earthquakes61%Cold waves9%Tornadoes8%Inland flooding7%Drought7%Everything else8%

By hazard

What Ridgely faces

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

Earthquakes

61% of expected damage

Well above average · among the top 1% of U.S. places

Cold waves

9% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 11 years in the area

Inland flooding

7% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once every 2 years in the area

Drought

7% of expected damage

Recorded about 14 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

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 Ridgely flood?

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

1paid claims since 2011

$8Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Mid-spring storms: 1 claim, $8K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lake County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

1storm safe rooms built

Disasters that hit Ridgely

5 federal disasters brought FEMA money here

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

Brought FEMA money into RidgelyDeclared for Lake County only

2021

Severe Storms, Straight-Line Winds, and Tornadoes

5 households applied for aid

2011

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

54 households applied for aid $51K aid approved

2009

Severe Winter Storm and Flooding

$49K to the Town of Ridgely for repairs

2003

Severe Storms, Tornadoes, and Flooding

$4K to the Town of Ridgely for repairs

2000

Severe Storms, Tornadoes, and Flooding

$6K to the Town of Ridgely for repairs

Lake County has had 18 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. Ridgely 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 Ridgely’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ridgely. 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.

Ridgely, TN natural hazards

How exposed is Ridgely?

What Ridgely faces

Earthquakes

Cold waves

Tornadoes

Inland flooding

Drought

Lower here

Not a risk here

Does Ridgely flood?

Biggest named events

What’s been done with FEMA grants

5 federal disasters brought FEMA money here

Severe Storms, Straight-Line Winds, and Tornadoes

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

Severe Winter Storm and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby