Natural hazards · Waverly

Waverly, TN natural hazards

Most of the natural-hazard damage FEMA expects in Waverly comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 217 claims here since 1984. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Waverly?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Waverly to be higher than in 78% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding44%Earthquakes18%Tornadoes18%Cold waves10%Strong wind6%Everything else4%

By hazard

What Waverly faces

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

Inland flooding

44% of expected damage

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

Recorded about once a year in the area

Earthquakes

18% of expected damage

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

Tornadoes

18% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 28 years in the area

Cold waves

10% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 4 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 Waverly flood?

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

217paid claims since 1984

$15.5Mpaid to owners

41homes flooded more than once

19842026

Biggest named events

Tennessee Flooding: 94 claims, $11.4M
Late spring storms: 65 claims, $1.1M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (4) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Humphreys County.

What’s been done with FEMA grants

6flood-prone properties bought out and cleared

1storm safe rooms built

Disasters that hit Waverly

8 federal disasters brought FEMA money here

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

Brought FEMA money into WaverlyDeclared for Humphreys County only

2021

Severe Storm and Flooding

1,096 households applied for aid $6.3M aid approved $4.1M to the City of Waverly for repairs

2019

Severe Storm and Straight-Line Winds

$254K to the City of Waverly for repairs

2019

Severe Storms, Flooding, Landslides, and Mudslides

$7K to the City of Waverly for repairs

2011

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

$83K to the City of Waverly for repairs

2011

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

$22K to the City of Waverly for repairs

2010

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

630 households applied for aid $1.5M aid approved $323K to the City of Waverly for repairs

2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $10K to the City of Waverly for repairs

2003

Severe Storms and Flooding

$18K to the City of Waverly for repairs

Humphreys County has had 22 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. Waverly covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Waverly’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Waverly. 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 Waverly total about $4.6M 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.