Natural hazards · Three Way

Three Way, TN natural hazards

Most of the natural-hazard damage FEMA expects in Three Way comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 2007. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Three Way?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Three Way to be higher than in 70% of U.S. communities, mostly from earthquakes and tornadoes.

Earthquakes45%Tornadoes18%Inland flooding16%Cold waves14%Everything else7%

By hazard

What Three Way faces

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

Earthquakes

45% of expected damage

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

Tornadoes

18% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 85 years in the area

Inland flooding

16% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 2 times a year in the area

Cold waves

14% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

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 Three Way flood?

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

4paid claims since 2007

$244Kpaid to owners

0homes flooded more than once

20072026

Biggest named events

Late spring storms: 3 claims, $241K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Madison County.

Disasters that hit Three Way

3 federal disasters brought FEMA money here

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

Brought FEMA money into Three WayDeclared for Madison County only

2026

Severe Winter Storm

2 households applied for aid

2010

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

$22K to the City of Three Way for repairs

2008

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

1 household applied for aid

Madison County has had 20 natural disasters declared since 1953, most often severe storms and tornadoes.

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. Three Way covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Three Way’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Three Way. 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 Three Way total about $2.1M 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.