Natural hazards · Toone

Toone, TN natural hazards

Most of the natural-hazard damage FEMA expects in Toone comes from earthquakes, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Toone?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Toone to be higher than in 62% of U.S. communities, mostly from earthquakes and tornadoes.

Earthquakes31%Tornadoes23%Inland flooding21%Cold waves13%Heat waves5%Everything else7%

By hazard

What Toone faces

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

Earthquakes

31% of expected damage

Well above average · higher than 86% of U.S. places

Tornadoes

23% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 8 years in the area

Inland flooding

21% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Heat waves

5% of expected damage

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

Recorded about 15 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Toone flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hardeman County.

Disasters that hit Toone

4 federal disasters brought FEMA money here

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

Brought FEMA money into TooneDeclared for Hardeman County only

2026

Severe Winter Storm

43 households applied for aid $192K aid approved

2025

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

2 households applied for aid $22K aid approved

2023

Severe Storms, Straight-Line Winds, and Tornadoes

6 households applied for aid $5K aid approved

2010

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

5 households applied for aid $12K aid approved

Hardeman County has had 14 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. Toone 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 Toone’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Toone. 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.