Natural hazards · Wartrace

Wartrace, TN natural hazards

Most of the natural-hazard damage FEMA expects in Wartrace comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Wartrace?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wartrace to be higher than in 53% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves22%Tornadoes18%Everything else15%

By hazard

What Wartrace 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

Above average · higher than 67% of U.S. places

Recorded about once a year in the area

Cold waves

22% of expected damage

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

Recorded about once a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 20 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Wartrace flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bedford County.

Disasters that hit Wartrace

3 federal disasters brought FEMA money here

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

Brought FEMA money into WartraceDeclared for Bedford County only

2002

Severe Storms and Tornados

14 households applied for aid $118 aid approved

2002

Severe Storms and Flooding

$4K to the Town of Wartrace for repairs

1998

Severe Winter Storm

$7K to the Town of Wartrace for repairs

Bedford County has had 15 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. Wartrace 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 Wartrace’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Wartrace. 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.