Natural hazards · Tracy

Tracy, TN natural hazards

Most of the natural-hazard damage FEMA expects in Tracy comes from tornadoes, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Tracy?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tracy to be higher than in 47% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes31%Inland flooding26%Cold waves26%Earthquakes7%Strong wind6%Everything else4%

By hazard

What Tracy faces

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

Tornadoes

31% of expected damage

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

Recorded about once every 17 years in the area

Inland flooding

26% of expected damage

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

Recorded about once a year in the area

Cold waves

26% of expected damage

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

Recorded about once a year in the area

Earthquakes

7% of expected damage

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

Strong wind

6% of expected damage

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

Recorded about 6 times a year in the area

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 Tracy flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grundy County.

Disasters that hit Tracy

Federal disasters declared here

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

Brought FEMA money into TracyDeclared for Grundy County only

Grundy 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. Tracy 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 Tracy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Tracy. 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.