Natural hazards · Roan Mountain

Roan Mountain, TN natural hazards

Most of the natural-hazard damage FEMA expects in Roan Mountain comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Roan Mountain?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roan Mountain to be higher than in 65% of U.S. communities, mostly from inland flooding.

Inland flooding77%Cold waves7%Everything else16%

By hazard

What Roan Mountain faces

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

Inland flooding

77% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once a year in the area

Cold waves

7% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHeat wavesDroughtAvalanchesTsunamisVolcanic 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 Roan Mountain flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carter County.

What’s been done with FEMA grants

39flood-prone properties bought out and cleared

Disasters that hit Roan Mountain

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Roan Mountain itself: aid to households, or repair grants to Roan Mountain.

Brought FEMA money into Roan MountainDeclared for Carter County only

2024

Tropical Storm Helene

726 households applied for aid $2.6M aid approved

Carter County has had 14 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. Roan Mountain 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 Roan Mountain’s own flood-insurance community; household aid to the registrant’s city; repair grants to Roan Mountain. 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.