Property Atlas

County hazard profile

Cheatham, TN

Tennessee · pop. 41,046 · FIPS 47021

Relatively Low
FEMA risk rating · RATING
Earthquake
dominant hazard
$17M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Cheatham $17M

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 46.28/100
national median ~50 near the national middle (46th percentile)
Social vulnerabilityVery Low 18.73/100
national median ~50 among the lowest nationally
Community resilienceRelatively Low 35.5/100
national median ~50 lower than most counties (36th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Cheatham

The National Flood Insurance Program has paid 513 flood-insurance claims totaling $25.7M in Cheatham since 1978. The costliest year was 2010 ($22.3M paid).

Flood-insurance dollars paid by year of loss

1978: $53,705 paid 1979: $26,748 paid 1980: $2,459 paid 1982: $138 paid 1983: $67,540 paid 1984: $585,031 paid 1988: $0 paid 1989: $76,584 paid 1991: $13,071 paid 1994: $7,040 paid 1997: $338,758 paid 1998: $7,572 paid 1999: $4,189 paid 2000: $292,808 paid 2002: $6,859 paid 2003: $37,617 paid 2008: $985 paid 2009: $0 paid 2010: $22,345,925 paid 2011: $0 paid 2012: $0 paid 2013: $8,486 paid 2014: $29,309 paid 2016: $5,660 paid 2017: $164,709 paid 2018: $70,497 paid 2019: $856,539 paid 2021: $681,261 paid 2024: $0 paid 2025: $49,383 paid 2010 · $22.3M 1978 2025
$25.7M
total paid
$50,162
average claim
$1.0M
largest single claim
77%
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 Cheatham, TN and where it ranks among U.S. counties. It is not a verdict on whether Cheatham 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.