Property Atlas

County hazard profile

Gibson, TN

Tennessee · pop. 50,413 · FIPS 47053

Relatively Moderate
FEMA risk rating · RATING
Earthquake
dominant hazard
$49M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Gibson $49M

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 Moderate 85.94/100
national median ~50 higher than 86% of counties
Social vulnerabilityRelatively High 65.43/100
national median ~50 near the national middle (65th percentile)
Community resilienceRelatively Moderate 54.45/100
national median ~50 near the national middle (54th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Gibson

The National Flood Insurance Program has paid 224 flood-insurance claims totaling $3.2M in Gibson since 1978. The costliest year was 2010 ($1.9M paid).

Flood-insurance dollars paid by year of loss

1978: $6,364 paid 1979: $78,675 paid 1980: $1,575 paid 1981: $9,328 paid 1982: $287,778 paid 1983: $4,066 paid 1984: $0 paid 1986: $443 paid 1987: $0 paid 1990: $227,529 paid 1991: $0 paid 1992: $0 paid 1996: $19,744 paid 1997: $7,000 paid 1998: $94,175 paid 1999: $5,364 paid 2001: $169,448 paid 2002: $0 paid 2003: $12,272 paid 2004: $35,134 paid 2006: $4,422 paid 2007: $0 paid 2009: $6,086 paid 2010: $1,881,799 paid 2015: $94,663 paid 2016: $93,288 paid 2017: $0 paid 2018: $1,331 paid 2019: $75,355 paid 2020: $17,832 paid 2021: $0 paid 2023: $3,089 paid 2025: $61,817 paid 2026: $0 paid 2010 · $1.9M 1978 2026
$3.2M
total paid
$14,279
average claim
$170K
largest single claim
62%
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 Gibson, TN and where it ranks among U.S. counties. It is not a verdict on whether Gibson 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.