Property Atlas

County hazard profile

Fayette, TN

Tennessee · pop. 41,886 · FIPS 47047

Relatively Low
FEMA risk rating · RATING
Earthquake
dominant hazard
$30M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Fayette $30M

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 75.95/100
national median ~50 higher than 76% of counties
Social vulnerabilityRelatively High 62.69/100
national median ~50 near the national middle (63rd percentile)
Community resilienceRelatively Moderate 50.38/100
national median ~50 near the national middle (50th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Fayette

The National Flood Insurance Program has paid 26 flood-insurance claims totaling $732K in Fayette since 1984. The costliest year was 2023 ($252K paid).

Flood-insurance dollars paid by year of loss

1984: $48 paid 1986: $0 paid 1991: $1,137 paid 1996: $0 paid 1997: $28,071 paid 1998: $23,030 paid 1999: $4,423 paid 2001: $2,512 paid 2002: $12,600 paid 2010: $80,828 paid 2011: $24,059 paid 2012: $0 paid 2014: $76,950 paid 2015: $50,527 paid 2016: $150,829 paid 2018: $25,117 paid 2023: $251,605 paid 2023 · $252K 1984 2023
$732K
total paid
$28,144
average claim
$252K
largest single claim
42%
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 Fayette, TN and where it ranks among U.S. counties. It is not a verdict on whether Fayette 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.