Property Atlas

County hazard profile

Obion, TN

Tennessee · pop. 30,777 · FIPS 47131

Relatively Moderate
FEMA risk rating · RATING
Earthquake
dominant hazard
$35M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Obion $35M

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 81.3/100
national median ~50 higher than 81% of counties
Social vulnerabilityRelatively High 71.34/100
national median ~50 near the national middle (71st percentile)
Community resilienceRelatively Moderate 41.98/100
national median ~50 near the national middle (42nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Obion

The National Flood Insurance Program has paid 190 flood-insurance claims totaling $3.9M in Obion since 1978. The costliest year was 2023 ($1.1M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $24,001 paid 1981: $2,511 paid 1983: $0 paid 1984: $68,836 paid 1985: $56,475 paid 1986: $40,354 paid 1988: $2,698 paid 1990: $37,835 paid 1991: $7,192 paid 1993: $4,070 paid 1996: $196,928 paid 1997: $276,770 paid 1998: $14,068 paid 2001: $42,305 paid 2002: $20,228 paid 2003: $10,000 paid 2004: $1,804 paid 2006: $315,499 paid 2008: $31,269 paid 2009: $95,310 paid 2010: $133,742 paid 2011: $90,003 paid 2013: $17,730 paid 2015: $227,388 paid 2016: $30,110 paid 2018: $8,114 paid 2019: $142,581 paid 2021: $11,627 paid 2023: $1,052,205 paid 2024: $11,863 paid 2025: $934,365 paid 2026: $0 paid 2023 · $1.1M 1978 2026
$3.9M
total paid
$20,568
average claim
$500K
largest single claim
76%
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 Obion, TN and where it ranks among U.S. counties. It is not a verdict on whether Obion 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.