Natural hazards · Whitlock

Whitlock, TN natural hazards

Most of the natural-hazard damage FEMA expects in Whitlock comes from cold waves, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Whitlock?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whitlock to be higher than in 74% of U.S. communities, mostly from cold waves and earthquakes.

Cold waves53%Earthquakes24%Tornadoes9%Inland flooding8%Everything else7%

By hazard

What Whitlock faces

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

Cold waves

53% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

24% of expected damage

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

Tornadoes

9% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 32 years in the area

Inland flooding

8% of expected damage

Below average · higher than 37% 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 Whitlock flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henry County.

Disasters that hit Whitlock

Federal disasters declared here

None of the disasters declared for Henry County shows FEMA aid or repair money reaching Whitlock itself in FEMA’s records.

Brought FEMA money into WhitlockDeclared for Henry County only

Henry County has had 17 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. Whitlock 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 Whitlock’s own flood-insurance community; household aid to the registrant’s city; repair grants to Whitlock. 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.