Property Atlas

County hazard profile

McNairy, TN

Tennessee · pop. 25,792 · FIPS 47109

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

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

among the lowest nationally

national median $15M/yr McNairy $15M

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 50.54/100
national median ~50 near the national middle (51st percentile)
Social vulnerabilityRelatively Moderate 53.44/100
national median ~50 near the national middle (53rd percentile)
Community resilienceRelatively Low 29.1/100
national median ~50 lower than most counties (29th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in McNairy

The National Flood Insurance Program has paid 17 flood-insurance claims totaling $816K in McNairy since 1982. The costliest year was 2020 ($696K paid).

Flood-insurance dollars paid by year of loss

1982: $2,439 paid 1983: $204 paid 1990: $7,701 paid 2001: $24,540 paid 2003: $1,730 paid 2010: $37,212 paid 2011: $26,639 paid 2014: $19,640 paid 2020: $695,669 paid 2020 · $696K 1982 2020
$816K
total paid
$47,987
average claim
$512K
largest single claim
65%
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 McNairy, TN and where it ranks among U.S. counties. It is not a verdict on whether McNairy 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.