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Natural hazards · Rives

Rives, TN natural hazards

Most of the natural-hazard damage FEMA expects in Rives comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 42 claims here since 1997. 4 federal disasters brought FEMA money into town.

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

How exposed is Rives?

80
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rives to be higher than in 80% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes41%Inland flooding17%Cold waves16%Drought8%Tornadoes6%Everything else12%
By hazard

What Rives faces

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

Earthquakes

41% of expected damage
Well above average · higher than 92% of U.S. places

Inland flooding

17% of expected damage
Below average · higher than 41% of U.S. places
Recorded about once a year in the area

Cold waves

16% of expected damage
Well below average · higher than 21% of U.S. places
Recorded about 3 times a year in the area

Drought

8% of expected damage
Recorded about 13 times a year in the area

Tornadoes

6% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about once every 15 years 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 Rives flood?

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

42paid claims since 1997
$1.0Mpaid to owners
11homes flooded more than once
19972026

Biggest named events

  • Central U.S. April Flooding: 10 claims, $475K
  • Mid-spring storms: 2 claims, $28K
  • Late winter severe storms: 1 claim, $5K

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. Rives isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Obion County.
Disasters that hit Rives

4 federal disasters brought FEMA money here

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

Brought FEMA money into RivesDeclared for Obion County only
2025

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

62 households applied for aid $625K aid approved $425K to the Town of Rives for repairs
2021

Severe Storms, Straight-Line Winds, and Tornadoes

1 household applied for aid
2011

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

6 households applied for aid $5K aid approved
2003

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $3K aid approved
Obion County has had 17 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. Rives 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 Rives’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Rives. 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.

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