---
title: Hardeman, TN — natural hazard risk profile & national ranking
source: FEMA National Risk Index (county-level)
sourceUrl: https://hazards.fema.gov/nri/
fips: 47069
---

# Hardeman, TN

Tennessee · pop. 23,479 · FIPS 47069

**FEMA risk rating: Relatively Low** · dominant hazard: Earthquake · modeled expected annual loss $15M/yr

These risk dimensions are FEMA/CDC MODELS (a rating, not records of disasters); population is a recorded census figure.

## Where Hardeman ranks among 3,232 U.S. counties

Each rank is COMPUTED — the county's modeled score placed within the national distribution. A rank within a model, not within observed disasters.

| Dimension | This county | National rank |
| --- | --- | --- |
| FEMA risk index | 63.01 | ≈ 63rd pct — near the national middle (63rd percentile) (national median 50.02, n=3,144) |
| Expected annual loss | $15M | ≈ 5th pct — among the lowest nationally (national median $15M, n=3,232) |
| Social vulnerability | 93.42 | ≈ 93rd pct — among the highest nationally (national median 50.03, n=3,144) |
| Community resilience | 39.69 | ≈ 40th pct — near the national middle (40th percentile) (national median 50.02, n=3,144) |

## Realized flood losses in Hardeman (RECORDED — NFIP claims)

The National Flood Insurance Program has paid **3** flood-insurance claims totaling **$12,313** in Hardeman since 2010. The costliest year of loss was **2010** ($10,818 paid).

| Metric | Value |
| --- | --- |
| Total claims paid | $12,313 |
| Claims | 3 |
| Average claim | $4,104 |
| Largest single claim | $6,350 |
| Claims since 2000 | 3 |
| In high-risk flood zones (A/V) | 33% |

These are **RECORDED** actual paid NFIP claims (a redacted census from OpenFEMA), not a model — the realized counterpart to the FEMA risk score above. **Scope:** flood-*insurance* claims UNDERCOUNT flooding where owners were uninsured ("what NFIP paid," not "every flood"); county-level totals, not a per-property verdict. Source: OpenFEMA NFIP Redacted Claims v2 (`src:openfema:nfip-claims-v2:2026`). Verify an address and buy coverage at https://www.floodsmart.gov/.

## What this is — and is NOT (interpretation)

This is FEMA/CDC **modeled** hazard exposure for Hardeman, TN and its national rank. It is **not** a verdict on whether Hardeman is a good or bad place to live (hazard exposure is not place quality), **not** a per-property or per-address assessment, **not** a prediction of any specific disaster, and **not** insurance advice. For site-specific risk use a per-property assessment; for the model see https://hazards.fema.gov/nri/.

---

Structured data (JSON-LD), with each figure's status labeled: `/property/counties/47069.jsonld`