TN · State guide

Tennessee emergency preparedness

FEMA's National Risk Index puts Tennessee's expected annual loss from natural hazards at about $3.0 billion, rated Relatively Moderate. The hazards with the largest expected losses are inland flooding, earthquakes and tornadoes.

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National Weather Service data, updated Oct 22, 2026, 8:27 AM ET. Not an official warning: follow your local NWS office. All US alerts →

Tennessee's biggest natural hazards

FEMA's expected annual loss for each hazard, in dollars a year, and FEMA's rating, from the National Risk Index (December 2025).

Inland floodingRelatively Moderate$1.2 billion a yearHow to prepare →

EarthquakeRelatively High$746 million a yearHow to prepare →

TornadoRelatively High$423 million a yearHow to prepare →

Cold waveRelatively High$355 million a yearHow to prepare →

Heat waveRelatively Moderate$95 million a yearHow to prepare →

Strong windRelatively High$84 million a yearHow to prepare →

LightningRelatively High$44 million a yearHow to prepare →

HailRelatively Low$19 million a year

Get ready for inland flooding, earthquakes, tornadoes and cold waves

Inland floodingFlood preparedness: flood watch vs warning, what to do and how flood insurance worksGear: Sump pump battery backups · Fireproof document safes

EarthquakeEarthquake preparedness: Drop, Cover and Hold On, and what to do afterGear: First aid kits · Fire extinguishers

TornadoTornado preparedness: watch vs warning, where to shelter and what to do afterGear: Weather radios

Cold waveHow to stay warm without power in winter, safelyGear: Emergency blankets and sleeping bags · Hand warmers

Official help in Tennessee

State emergency management: Emergency Management Agency
Turn on Wireless Emergency Alerts on your phone and sign up for your county's local alerts. Make a family plan.
More Tennessee government services: USA.gov

Build a kit for your household

Ready.gov's checklist, sized to who lives with you, with extras for the hazards you face.

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Other states where inland flooding tops the list

Alabama Arizona Arkansas Colorado Connecticut Delaware District of Columbia Georgia

Seasonal checklists for Tennessee

One calm email before the season's hazards arrive. No spam.

Sources (4)