Property Atlas

County hazard profile

Smith, TN

Tennessee · pop. 19,887 · FIPS 47159

Very Low
FEMA risk rating · RATING
Landslide
dominant hazard
$10M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Smith $10M

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 indexVery Low 18.77/100
national median ~50 among the lowest nationally
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceRelatively Moderate 40.71/100
national median ~50 near the national middle (41st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Smith

The National Flood Insurance Program has paid 283 flood-insurance claims totaling $5.5M in Smith since 1978. The costliest year was 2010 ($4.1M paid).

Flood-insurance dollars paid by year of loss

1978: $68,668 paid 1979: $12,974 paid 1980: $34,109 paid 1981: $263 paid 1982: $69,353 paid 1983: $342 paid 1984: $168,124 paid 1989: $156,991 paid 1990: $19,052 paid 1991: $34,056 paid 1994: $170,068 paid 1997: $22,113 paid 1999: $0 paid 2000: $6,000 paid 2002: $9,431 paid 2003: $53,385 paid 2004: $71,355 paid 2006: $4,436 paid 2007: $10,836 paid 2008: $0 paid 2009: $23,314 paid 2010: $4,065,001 paid 2013: $25,431 paid 2014: $9,650 paid 2015: $0 paid 2017: $121,311 paid 2018: $16,278 paid 2019: $22,939 paid 2020: $37,631 paid 2021: $211,039 paid 2024: $16,643 paid 2010 · $4.1M 1978 2024
$5.5M
total paid
$19,296
average claim
$862K
largest single claim
63%
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 Smith, TN and where it ranks among U.S. counties. It is not a verdict on whether Smith 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.