Natural hazards · Tusculum

Tusculum, TN natural hazards

Most of the natural-hazard damage FEMA expects in Tusculum comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2024. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Tusculum?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tusculum to be higher than in 2% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding45%Earthquakes16%Tornadoes13%Cold waves9%Lightning6%Everything else11%

By hazard

What Tusculum faces

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

Inland flooding

45% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about once a year in the area

Earthquakes

16% of expected damage

Above average · higher than 73% of U.S. places

Tornadoes

13% of expected damage

Below average · higher than 41% of U.S. places

Cold waves

9% of expected damage

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

Recorded about once a year in the area

Lightning

6% of expected damage

Well above average · higher than 82% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windDrought

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 Tusculum flood?

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

1paid claims since 2024

$42Kpaid to owners

0homes flooded more than once

20242026

Biggest named events

Hurricane Helene: 1 claim, $42K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Greene County.

Disasters that hit Tusculum

2 federal disasters brought FEMA money here

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

Brought FEMA money into TusculumDeclared for Greene County only

2024

Tropical Storm Helene

1 household applied for aid

2001

Severe Storms and Flooding

$3K to the City of Tusculum for repairs

Greene County has had 14 natural disasters declared since 1953, most often severe storms and winter storms.

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. Tusculum covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Tusculum’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Tusculum. 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 Tusculum total about $588K 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.