Property Atlas

County hazard profile

Franklin, TN

Tennessee · pop. 42,763 · FIPS 47051

Relatively Low
FEMA risk rating · RATING
Earthquake
dominant hazard
$20M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Franklin $20M

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 57.51/100
national median ~50 near the national middle (58th percentile)
Social vulnerabilityRelatively Low 38.04/100
national median ~50 lower than most counties (38th percentile)
Community resilienceRelatively Low 39.76/100
national median ~50 near the national middle (40th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Franklin

The National Flood Insurance Program has paid 32 flood-insurance claims totaling $223K in Franklin since 1979. The costliest year was 2003 ($46K paid).

Flood-insurance dollars paid by year of loss

1979: $39,867 paid 1990: $21,300 paid 1993: $2,698 paid 1994: $3,270 paid 1995: $2,628 paid 1997: $1,086 paid 1998: $633 paid 2003: $46,496 paid 2004: $12,246 paid 2008: $12,815 paid 2010: $8,968 paid 2011: $3,370 paid 2013: $7,945 paid 2014: $0 paid 2015: $1,641 paid 2017: $13,062 paid 2019: $41,976 paid 2021: $3,238 paid 2026: $0 paid 2003 · $46K 1979 2026
$223K
total paid
$6,976
average claim
$46K
largest single claim
50%
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 Franklin, TN and where it ranks among U.S. counties. It is not a verdict on whether Franklin 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.