Property Atlas

County hazard profile

Sumner, TN

Tennessee · pop. 196,179 · FIPS 47165

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$87M
modeled expected annual loss/yr

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

lower than most counties (27th percentile)

national median $15M/yr Sumner $87M

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 87.66/100
national median ~50 higher than 88% of counties
Social vulnerabilityVery Low 14.76/100
national median ~50 among the lowest nationally
Community resilienceRelatively Moderate 55.69/100
national median ~50 near the national middle (56th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Sumner

The National Flood Insurance Program has paid 704 flood-insurance claims totaling $14.3M in Sumner since 1978. The costliest year was 2010 ($8.8M paid).

Flood-insurance dollars paid by year of loss

1978: $16,843 paid 1979: $575 paid 1980: $1,709 paid 1981: $0 paid 1983: $0 paid 1984: $115,240 paid 1988: $0 paid 1989: $48,726 paid 1993: $1,446 paid 1994: $15,073 paid 1995: $0 paid 1996: $2,216 paid 1997: $59,809 paid 1998: $17,076 paid 1999: $1,384 paid 2000: $0 paid 2001: $2,585 paid 2002: $6,351 paid 2003: $7,016 paid 2005: $1,828 paid 2006: $154,303 paid 2007: $34,711 paid 2008: $7,351 paid 2009: $385,611 paid 2010: $8,835,428 paid 2011: $14,872 paid 2012: $16,122 paid 2013: $259,796 paid 2014: $0 paid 2015: $1,545 paid 2016: $1,233,020 paid 2017: $564,592 paid 2018: $21,623 paid 2019: $742,706 paid 2020: $143,391 paid 2021: $87,797 paid 2022: $5,062 paid 2023: $13,954 paid 2024: $1,466,808 paid 2025: $51,530 paid 2010 · $8.8M 1978 2025
$14.3M
total paid
$20,367
average claim
$633K
largest single claim
52%
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 Sumner, TN and where it ranks among U.S. counties. It is not a verdict on whether Sumner 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.