Natural hazards · White Bluff

White Bluff, TN natural hazards

Most of the natural-hazard damage FEMA expects in White Bluff comes from inland flooding, and overall the risk is low for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is White Bluff?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White Bluff to be higher than in 30% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding27%Earthquakes21%Tornadoes21%Cold waves19%Everything else12%

By hazard

What White Bluff faces

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

Inland flooding

27% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

21% of expected damage

Well above average · higher than 81% of U.S. places

Tornadoes

21% of expected damage

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

Recorded about once every 22 years in the area

Cold waves

19% of expected damage

Below average · higher than 42% 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 White Bluff flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dickson County.

Disasters that hit White Bluff

6 federal disasters brought FEMA money here

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

Brought FEMA money into White BluffDeclared for Dickson County only

2026

Severe Winter Storm

6 households applied for aid $1K aid approved

2023

Severe Storms and Tornadoes

46 households applied for aid $146K aid approved

2021

Severe Storms, Straight-Line Winds, and Tornadoes

12 households applied for aid $3K aid approved

2021

Severe Storm and Flooding

28 households applied for aid

2010

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

73 households applied for aid $307K aid approved $53K to the Town of White Bluff for repairs

2003

Severe Storms, Tornadoes, and Flooding

8 households applied for aid $2K aid approved

Dickson County has had 22 natural disasters declared since 1953, most often severe storms and tornadoes.

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