Natural hazards · Rocky Top

Rocky Top, TN natural hazards

Most of the natural-hazard damage FEMA expects in Rocky Top comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1997.

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

Expected damage

How exposed is Rocky Top?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rocky Top to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding58%Cold waves13%Tornadoes12%Earthquakes7%Everything else10%

By hazard

What Rocky Top faces

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

Inland flooding

58% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

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

Recorded about once a year in the area

Tornadoes

12% of expected damage

Above average · higher than 73% of U.S. places

Earthquakes

7% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Rocky Top flood?

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

3paid claims since 1997

$57Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Anderson County.

Disasters that hit Rocky Top

Federal disasters declared here

None of the disasters declared for Anderson County shows FEMA aid or repair money reaching Rocky Top itself in FEMA’s records.

Brought FEMA money into Rocky TopDeclared for Anderson County only

Anderson County has had 19 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. Rocky Top 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 Rocky Top’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Rocky Top. 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.