Property Atlas

County hazard profile

Lincoln, TN

Tennessee · pop. 35,311 · FIPS 47103

Relatively Low
FEMA risk rating · RATING
Tornado
dominant hazard
$16M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Lincoln $16M

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 58.91/100
national median ~50 near the national middle (59th percentile)
Social vulnerabilityRelatively High 68.42/100
national median ~50 near the national middle (68th percentile)
Community resilienceRelatively Low 23.98/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lincoln

The National Flood Insurance Program has paid 49 flood-insurance claims totaling $659K in Lincoln since 1978. The costliest year was 2019 ($215K paid).

Flood-insurance dollars paid by year of loss

1978: $96 paid 1983: $0 paid 1990: $151,945 paid 1991: $9,247 paid 1992: $0 paid 1993: $924 paid 1994: $4,613 paid 1996: $82 paid 1997: $12,600 paid 2000: $5,872 paid 2002: $618 paid 2003: $10,997 paid 2004: $2,931 paid 2015: $14,441 paid 2016: $15,786 paid 2017: $26,670 paid 2019: $214,823 paid 2020: $33,611 paid 2021: $43,789 paid 2022: $17,291 paid 2025: $92,339 paid 2019 · $215K 1978 2025
$659K
total paid
$13,442
average claim
$156K
largest single claim
73%
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 Lincoln, TN and where it ranks among U.S. counties. It is not a verdict on whether Lincoln 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.