Natural hazards · Soddy-Daisy

Soddy-Daisy, TN natural hazards

Most of the natural-hazard damage FEMA expects in Soddy-Daisy comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 54 claims here since 1982. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Soddy-Daisy?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Soddy-Daisy to be higher than in 45% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes30%Earthquakes9%Cold waves5%Everything else10%

By hazard

What Soddy-Daisy faces

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

Inland flooding

46% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

30% of expected damage

Well above average · higher than 88% of U.S. places

Earthquakes

9% of expected damage

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

Cold waves

5% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 2 years in the area

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 Soddy-Daisy flood?

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

54paid claims since 1982

$715Kpaid to owners

10homes flooded more than once

19822026

Biggest named events

Early winter storms: 7 claims, $47K
Heavy rains: 3 claims, $14K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hamilton County.

What’s been done with FEMA grants

3flood-prone properties bought out and cleared

Disasters that hit Soddy-Daisy

5 federal disasters brought FEMA money here

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

Brought FEMA money into Soddy-DaisyDeclared for Hamilton County only

2020

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

8 households applied for aid $8K aid approved

2012

Severe Storms, Tornadoes, Straight-Line Winds and

3 households applied for aid

2011

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

15 households applied for aid $7K aid approved

2004

Severe Storms and Flooding

$13K to the City of Soddy-Daisy for repairs

2003

Severe Storms, Tornadoes, and Flooding

47 households applied for aid $75K aid approved $36K to the City of Soddy-Daisy for repairs

Hamilton County has had 22 natural disasters declared since 1953, most often severe storms and floods.

Around Soddy-Daisy

Soddy-Daisy and the towns around it

Very lowLowModerateHighVery high

Falling Watermostly inland floodingVery high

Mowbray Mountainmostly inland floodingHigh

Middle Valleymostly inland floodingHigh

Chattanoogamostly inland floodingHigh

Soddy-Daisymostly inland floodingModerate

Flat Top Mountainmostly 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. Soddy-Daisy covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Soddy-Daisy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Soddy-Daisy. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Soddy-Daisy total about $1.0M a year, counting buildings, people and crops.

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.