Natural hazards · Sunbright

Sunbright, TN natural hazards

Most of the natural-hazard damage FEMA expects in Sunbright comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2018. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Sunbright?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sunbright to be higher than in 41% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves22%Tornadoes12%Strong wind10%Earthquakes8%Everything else8%

By hazard

What Sunbright faces

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

Inland flooding

40% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once a year in the area

Cold waves

22% of expected damage

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

Recorded about once a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 16 years in the area

Strong wind

10% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

8% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Sunbright flood?

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

1paid claims since 2018

$38Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Morgan County.

Disasters that hit Sunbright

4 federal disasters brought FEMA money here

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

Brought FEMA money into SunbrightDeclared for Morgan County only

2019

Severe Storms, Flooding, Landslides, and Mudslides

$27K to the City of Sunbright for repairs

2015

Severe Winter Storm and Flooding

$7K to the City of Sunbright for repairs

2011

Severe Storms, Tornadoes, and Flooding

$14K to the City of Sunbright for repairs

2003

Severe Storms, Tornadoes, and Flooding

8 households applied for aid $26K aid approved

Morgan County has had 18 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. Sunbright 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 Sunbright’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Sunbright. 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.

Sunbright, TN natural hazards

How exposed is Sunbright?

What Sunbright faces

Inland flooding

Cold waves

Tornadoes

Strong wind

Earthquakes

Lower here

Not a risk here

Does Sunbright flood?

4 federal disasters brought FEMA money here

Severe Storms, Flooding, Landslides, and Mudslides

Severe Winter Storm and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

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