Natural hazards · Ridgetop

Ridgetop, TN natural hazards

Most of the natural-hazard damage FEMA expects in Ridgetop comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2019. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Ridgetop?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ridgetop to be higher than in 23% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding31%Cold waves20%Tornadoes16%Earthquakes11%Strong wind9%Everything else12%

By hazard

What Ridgetop faces

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

Inland flooding

31% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Cold waves

20% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

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

Recorded about once every 92 years in the area

Earthquakes

11% of expected damage

Well above average · higher than 76% of U.S. places

Strong wind

9% of expected damage

Well above average · higher than 84% 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 Ridgetop flood?

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

1paid claims since 2019

$1Kpaid to owners

0homes flooded more than once

20192026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Robertson County.

Disasters that hit Ridgetop

1 federal disaster brought FEMA money here

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

Brought FEMA money into RidgetopDeclared for Robertson County only

2010

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

1 household applied for aid

Robertson County has had 11 natural disasters declared since 1953, most often severe storms and floods.

Around Ridgetop

Ridgetop and the towns around it

Very lowLowModerateHighVery high

Millersvillemostly inland floodingHigh

Ridgetopmostly inland floodingLow

Greenbriermostly inland floodingLow

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. Ridgetop 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 Ridgetop’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ridgetop. 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.