Property Atlas

County hazard profile

Carter, TN

Tennessee · pop. 56,264 · FIPS 47019

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$16M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Carter $16M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 63.17/100
national median ~50 near the national middle (63rd percentile)
Social vulnerabilityVery High 83.11/100
national median ~50 higher than 83% of counties
Community resilienceVery Low 17.24/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Carter

The National Flood Insurance Program has paid 288 flood-insurance claims totaling $5.3M in Carter since 1983. The costliest year was 2024 ($3.8M paid).

Flood-insurance dollars paid by year of loss

1983: $0 paid 1984: $8,767 paid 1994: $14,437 paid 1995: $14,764 paid 1996: $3,716 paid 1997: $0 paid 1998: $870,993 paid 1999: $1,125 paid 2000: $2,572 paid 2001: $18,066 paid 2003: $37,748 paid 2004: $9,770 paid 2006: $3,530 paid 2009: $8,388 paid 2011: $4,039 paid 2012: $11,328 paid 2013: $129,918 paid 2015: $15,834 paid 2017: $111,850 paid 2018: $26,679 paid 2019: $108,191 paid 2020: $85,646 paid 2022: $0 paid 2023: $4,797 paid 2024: $3,770,186 paid 2026: $0 paid 2024 · $3.8M 1983 2026
$5.3M
total paid
$18,272
average claim
$301K
largest single claim
85%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Carter, TN and where it ranks among U.S. counties. It is not a verdict on whether Carter is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.