Natural hazards · White Pine

White Pine, TN natural hazards

Most of the natural-hazard damage FEMA expects in White Pine comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1982. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is White Pine?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White Pine to be higher than in 35% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding63%Earthquakes16%Tornadoes8%Cold waves5%Everything else9%

By hazard

What White Pine faces

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

Inland flooding

63% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once every 2 years in the area

Earthquakes

16% of expected damage

Well above average · higher than 78% of U.S. places

Tornadoes

8% of expected damage

Below average · higher than 44% of U.S. places

Cold waves

5% of expected damage

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

Recorded about once every 2 years 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 Pine flood?

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

5paid claims since 1982

$24Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit White Pine

4 federal disasters brought FEMA money here

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

Brought FEMA money into White PineDeclared for Jefferson County only

2024

Tropical Storm Helene

1 household applied for aid $2K aid approved

2019

Severe Storms, Flooding, Landslides, and Mudslides

$4K to the Town of White Pine for repairs

2015

Severe Winter Storm and Flooding

$6K to the Town of White Pine for repairs

2011

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

$4K to the Town of White Pine for repairs

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