Natural hazards · Spurgeon

Spurgeon, TN natural hazards

Most of the natural-hazard damage FEMA expects in Spurgeon comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Spurgeon?

High

vs. U.S. communities

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

Inland flooding83%Earthquakes6%Everything else11%

By hazard

What Spurgeon faces

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

Inland flooding

83% of expected damage

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

Recorded about once a year in the area

Earthquakes

6% of expected damage

Above average · higher than 69% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Spurgeon flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sullivan County.

Disasters that hit Spurgeon

Federal disasters declared here

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

Brought FEMA money into SpurgeonDeclared for Sullivan County only

Sullivan County has had 9 natural disasters declared since 1953, most often severe storms and winter storms.

Around Spurgeon

Spurgeon and the towns around it

Very lowLowModerateHighVery high

Oak Grovemostly inland floodingHigh

Spurgeonmostly inland floodingHigh

Graymostly inland floodingLow

Johnson Citymostly inland floodingVery low

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