Counties in Tennessee by expected annual loss from natural hazards (FEMA National Risk Index), 2025

Shelby County had the highest expected annual loss from natural hazards (FEMA National Risk Index) of 95 counties in 2025, at $554,679,744. Pickett County had the lowest, at $2,132,149. The median was $15,811,515 and the figure for Tennessee was $3,004,306,362. Source: the Federal Emergency Management Agency.

Highest554,679,744Shelby County
Lowest2,132,149Pickett County
Median15,811,51595 counties
Tennessee3,004,306,362History

Top 40 counties, 2025

Shelby County: 554,679,744 USDShelby County554,679,744Davidson County: 262,379,337 USDDavidson County262,379,337Hamilton County: 140,102,524 USDHamilton County140,102,524Rutherford County: 134,948,161 USDRutherford County134,948,161Knox County: 131,397,341 USDKnox County131,397,341Williamson County: 98,024,646 USDWilliamson County98,024,646Madison County: 90,804,054 USDMadison County90,804,054Sumner County: 86,709,710 USDSumner County86,709,710Montgomery County: 77,798,983 USDMontgomery County77,798,983Wilson County: 60,488,915 USDWilson County60,488,915Gibson County: 48,524,618 USDGibson County48,524,618Dyer County: 47,271,126 USDDyer County47,271,126Maury County: 46,153,056 USDMaury County46,153,056Henry County: 38,441,012 USDHenry County38,441,012Blount County: 36,601,013 USDBlount County36,601,013Bradley County: 35,819,891 USDBradley County35,819,891Obion County: 34,878,607 USDObion County34,878,607Weakley County: 34,647,016 USDWeakley County34,647,016Tipton County: 34,277,963 USDTipton County34,277,963Sevier County: 32,080,457 USDSevier County32,080,457Fayette County: 29,737,907 USDFayette County29,737,907Anderson County: 29,460,536 USDAnderson County29,460,536Sullivan County: 28,535,248 USDSullivan County28,535,248Bedford County: 25,426,798 USDBedford County25,426,798Carroll County: 24,787,591 USDCarroll County24,787,591Putnam County: 24,384,747 USDPutnam County24,384,747Robertson County: 24,025,695 USDRobertson County24,025,695Coffee County: 22,928,387 USDCoffee County22,928,387Washington County: 22,614,224 USDWashington County22,614,224Lawrence County: 22,269,962 USDLawrence County22,269,962Loudon County: 22,213,978 USDLoudon County22,213,978Roane County: 21,770,617 USDRoane County21,770,617Lauderdale County: 20,324,018 USDLauderdale County20,324,018Marshall County: 19,732,151 USDMarshall County19,732,151Franklin County: 19,637,492 USDFranklin County19,637,492Hardin County: 19,577,554 USDHardin County19,577,554Henderson County: 19,464,328 USDHenderson County19,464,328Dickson County: 18,827,929 USDDickson County18,827,929Cumberland County: 18,509,036 USDCumberland County18,509,036Warren County: 18,447,631 USDWarren County18,447,631
USD. Source: FEMA National Risk Index, National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT). Retrieved 2026-10-12.

Full ranking

RankCounties2025
USD
1Shelby County554,679,744
2Davidson County262,379,337
3Hamilton County140,102,524
4Rutherford County134,948,161
5Knox County131,397,341
6Williamson County98,024,646
7Madison County90,804,054
8Sumner County86,709,710
9Montgomery County77,798,983
10Wilson County60,488,915
11Gibson County48,524,618
12Dyer County47,271,126
13Maury County46,153,056
14Henry County38,441,012
15Blount County36,601,013
16Bradley County35,819,891
17Obion County34,878,607
18Weakley County34,647,016
19Tipton County34,277,963
20Sevier County32,080,457
21Fayette County29,737,907
22Anderson County29,460,536
23Sullivan County28,535,248
24Bedford County25,426,798
25Carroll County24,787,591
26Putnam County24,384,747
27Robertson County24,025,695
28Coffee County22,928,387
29Washington County22,614,224
30Lawrence County22,269,962
31Loudon County22,213,978
32Roane County21,770,617
33Lauderdale County20,324,018
34Marshall County19,732,151
35Franklin County19,637,492
36Hardin County19,577,554
37Henderson County19,464,328
38Dickson County18,827,929
39Cumberland County18,509,036
40Warren County18,447,631
41McMinn County18,174,240
42Giles County17,642,770
43Cheatham County17,274,804
44Marion County16,423,970
45Lincoln County16,145,250
46Haywood County16,076,293
47Carter County15,905,302
48Monroe County15,811,515
49Hardeman County14,751,937
50McNairy County14,593,046
51Greene County13,851,139
52Hawkins County13,695,404
53Campbell County13,667,931
54Rhea County13,518,676
55Chester County12,777,778
56Hickman County12,732,619
57Humphreys County12,575,617
58Crockett County12,508,136
59Jefferson County12,344,587
60Hamblen County12,050,195
61Cocke County11,800,551
62Sequatchie County10,969,576
63Claiborne County10,235,558
64White County9,976,928
65Benton County9,687,455
66Smith County9,626,827
67Lake County9,592,541
68Wayne County9,440,454
69Macon County8,615,129
70Decatur County8,353,625
71DeKalb County7,542,999
72Overton County7,294,837
73Cannon County7,146,997
74Perry County6,917,445
75Polk County6,814,052
76Stewart County6,806,153
77Morgan County6,475,761
78Scott County6,469,071
79Grundy County6,349,228
80Fentress County6,199,577
81Bledsoe County5,995,444
82Johnson County5,876,317
83Lewis County5,411,962
84Houston County5,249,418
85Grainger County5,228,639
86Union County5,076,058
87Jackson County4,682,299
88Trousdale County4,627,791
89Unicoi County4,358,251
90Clay County4,284,954
91Moore County4,156,353
92Meigs County4,040,351
93Hancock County3,053,434
94Van Buren County2,592,932
95Pickett County2,132,149

About this ranking

Average loss in US dollars that FEMA expects a US state or county to suffer each year from 18 natural hazards, adding building value, agriculture value and lives lost or injuries valued in dollars, from the National Risk Index. FEMA modelled it from historical hazard frequency, exposure and loss ratios.

A modelled estimate, not recorded losses. The December 2025 edition values buildings and agriculture in December 2024 dollars. The period is the year of the National Risk Index edition (the December 2025 edition is 2025), not a year of events. FEMA rebuilds the index with new data and methods in each edition, so values from different editions are not a time series. The index is meant for nationwide comparison and planning, not as a local risk assessment.

Every value in the ranking comes from the same publisher and the same period, so the counties are compared on one definition. Equal values share a rank.

How to cite

Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT). https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355. Retrieved 2026-10-12. This product uses the FEMA National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

Federal Emergency Management Agency. (2025). National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT) (Counties in Tennessee by expected annual loss from natural hazards (FEMA National Risk Index), 2025) [Data set]. Retrieved October 12, 2026, from https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355

MLA 9

National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT), Counties in Tennessee by expected annual loss from natural hazards (FEMA National Risk Index), 2025. Federal Emergency Management Agency, 16 Dec. 2025, https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355. Invokely, https://invokely.ai/rankings/expected-annual-loss-natural-hazards/tennessee-counties. Accessed 12 Oct. 2026.

Chicago (author-date)

Federal Emergency Management Agency. 2025. National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT). Counties in Tennessee by expected annual loss from natural hazards (FEMA National Risk Index), 2025. Dataset. Accessed October 12, 2026. https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355. Also distributed by Invokely, https://invokely.ai/rankings/expected-annual-loss-natural-hazards/tennessee-counties.

Harvard

Federal Emergency Management Agency (2025) National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT), Counties in Tennessee by expected annual loss from natural hazards (FEMA National Risk Index), 2025 [Dataset]. Available at: https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355, via Invokely: https://invokely.ai/rankings/expected-annual-loss-natural-hazards/tennessee-counties (Accessed: 12 October 2026).

BibTeX
@misc{federal_counties_in_tennessee_by_2025,
  author = {{Federal Emergency Management Agency}},
  title = {{National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL\_VALT): Counties in Tennessee by expected annual loss from natural hazards (FEMA National Risk Index), 2025}},
  year = {2025},
  howpublished = {Data set},
  url = {https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/expected-annual-loss-natural-hazards/tennessee-counties. Publisher attribution: Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL\_VALT). https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355. Retrieved 2026-10-12. This product uses the FEMA National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).},
}
RIS
TY  - DATA
AU  - Federal Emergency Management Agency
TI  - National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT): Counties in Tennessee by expected annual loss from natural hazards (FEMA National Risk Index), 2025
PY  - 2025
DA  - 2025/12/16
PB  - Federal Emergency Management Agency
DB  - Invokely
UR  - https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355
L2  - https://invokely.ai/rankings/expected-annual-loss-natural-hazards/tennessee-counties
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/expected-annual-loss-natural-hazards/tennessee-counties.
N1  - Publisher attribution: Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT). https://fema.maps.arcgis.com/home/item.html?id=39485e8035d446a5bff03259508ae355. Retrieved 2026-10-12. This product uses the FEMA National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
ER  - 
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Questions

Which county has the highest expected annual loss from natural hazards (FEMA National Risk Index)?

Shelby County, with $554,679,744 in 2025, according to the Federal Emergency Management Agency.

Which county has the lowest expected annual loss from natural hazards (FEMA National Risk Index)?

Pickett County, with $2,132,149 in 2025.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: Federal Emergency Management Agency, National Risk Index Counties and States, Expected Annual Loss Total Composite (EAL_VALT). Retrieved 2026-10-12.

Expected annual loss from natural hazards (FEMA National Risk Index): other rankings

Counties in Tennessee: more rankings