Natural hazards · Summertown

Summertown, TN natural hazards

Most of the natural-hazard damage FEMA expects in Summertown comes from tornadoes, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Summertown?

Moderate

vs. U.S. communities

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

Tornadoes32%Inland flooding25%Cold waves21%Earthquakes10%Lightning6%Everything else7%

By hazard

What Summertown faces

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

Tornadoes

32% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 18 years in the area

Inland flooding

25% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 3 times a year in the area

Cold waves

21% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once a year in the area

Earthquakes

10% of expected damage

Well above average · higher than 80% of U.S. places

Lightning

6% of expected damage

Well above average · higher than 84% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windDrought

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 Summertown flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lawrence County.

Disasters that hit Summertown

3 federal disasters brought FEMA money here

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

Brought FEMA money into SummertownDeclared for Lawrence County only

2026

Severe Winter Storm

16 households applied for aid $34K aid approved

2010

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

56 households applied for aid $95K aid approved

2003

Severe Storms, Tornadoes, and Flooding

14 households applied for aid $13K aid approved

Lawrence County has had 22 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. Summertown 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 Summertown’s own flood-insurance community; household aid to the registrant’s city; repair grants to Summertown. 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.