Natural hazards · Tullahoma

Tullahoma, TN natural hazards

Most of the natural-hazard damage FEMA expects in Tullahoma comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 9 claims here since 1983. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Tullahoma?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tullahoma to be higher than in 44% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding32%Tornadoes27%Earthquakes18%Cold waves14%Everything else10%

By hazard

What Tullahoma faces

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

Inland flooding

32% of expected damage

Below average · higher than 32% of U.S. places

Recorded about once a year in the area

Tornadoes

27% of expected damage

Well above average · higher than 98% of U.S. places

Earthquakes

18% of expected damage

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

Cold waves

14% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once 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 Tullahoma flood?

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

9paid claims since 1983

$47Kpaid to owners

1homes flooded more than once

19832026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Coffee County.

Disasters that hit Tullahoma

4 federal disasters brought FEMA money here

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

Brought FEMA money into TullahomaDeclared for Coffee County only

2021

Severe Winter Storms

$27K to the City of Tullahoma for repairs

2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $5K aid approved

2002

Severe Storms and Tornados

1 household applied for aid

1998

Severe Winter Storm

$562K to the City of Tullahoma for repairs

Coffee 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. Tullahoma covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Tullahoma’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Tullahoma. 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 Tullahoma total about $9.2M 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.