Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Tennessee
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Tennessee ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Washington County | $402 | Relatively Low | $231,700 |
| 2 | Sullivan County | $417 | Relatively Low | $190,800 |
| 3 | Hamblen County | $468 | Relatively Low | $188,800 |
| 4 | Greene County | $493 | Relatively Low | $186,400 |
| 5 | Grainger County | $547 | Very Low | $172,000 |
| 6 | Unicoi County | $559 | Very Low | $168,200 |
| 7 | Jefferson County | $578 | Relatively Low | $210,000 |
| 8 | Hawkins County | $593 | Relatively Low | $166,900 |
| 9 | Union County | $653 | Very Low | $186,300 |
| 10 | Carter County | $658 | Relatively Low | $157,200 |
| 11 | Knox County | $666 | Relatively Moderate | $279,700 |
| 12 | Blount County | $672 | Relatively Low | $275,700 |
| 13 | Cumberland County | $674 | Relatively Low | $228,000 |
| 14 | Putnam County | $738 | Relatively Low | $246,800 |
| 15 | Scott County | $749 | Very Low | $116,800 |
| 16 | Claiborne County | $761 | Relatively Low | $148,000 |
| 17 | Meigs County | $765 | Very Low | $185,500 |
| 18 | Cocke County | $780 | Relatively Low | $141,800 |
| 19 | Fentress County | $805 | Very Low | $151,800 |
| 20 | Overton County | $811 | Very Low | $171,700 |
| 21 | Sevier County | $818 | Relatively Low | $259,500 |
| 22 | Campbell County | $818 | Relatively Low | $169,500 |
| 23 | Johnson County | $819 | Very Low | $175,500 |
| 24 | Monroe County | $820 | Relatively Low | $199,700 |
| 25 | Davidson County | $834 | Relatively High | $386,600 |
| 26 | McMinn County | $846 | Relatively Low | $190,400 |
| 27 | Bradley County | $855 | Relatively Low | $230,800 |
| 28 | Robertson County | $866 | Relatively Low | $296,700 |
| 29 | DeKalb County | $888 | Very Low | $206,600 |
| 30 | Dickson County | $893 | Relatively Low | $272,700 |
| 31 | Morgan County | $901 | Very Low | $144,000 |
| 32 | White County | $907 | Very Low | $190,200 |
| 33 | Anderson County | $919 | Relatively Low | $215,800 |
| 34 | Montgomery County | $923 | Relatively Moderate | $248,300 |
| 35 | Hamilton County | $926 | Relatively Moderate | $282,100 |
| 36 | Macon County | $936 | Very Low | $211,200 |
| 37 | Loudon County | $948 | Relatively Low | $292,600 |
| 38 | Polk County | $954 | Very Low | $136,400 |
| 39 | Roane County | $966 | Relatively Low | $212,300 |
| 40 | Jackson County | $997 | Very Low | $135,200 |
| 41 | Coffee County | $1,006 | Relatively Low | $227,300 |
| 42 | Pickett County | $1,012 | Very Low | $162,200 |
| 43 | Rhea County | $1,021 | Relatively Low | $178,500 |
| 44 | Lewis County | $1,050 | Very Low | $157,800 |
| 45 | Van Buren County | $1,053 | Very Low | $149,200 |
| 46 | Wilson County | $1,069 | Relatively Low | $397,000 |
| 47 | Rutherford County | $1,072 | Relatively Moderate | $346,400 |
| 48 | Williamson County | $1,081 | Relatively Moderate | $673,700 |
| 49 | Cheatham County | $1,086 | Relatively Low | $291,400 |
| 50 | Hancock County | $1,101 | Very Low | $118,000 |
| 51 | Lincoln County | $1,107 | Relatively Low | $209,100 |
| 52 | Maury County | $1,119 | Relatively Low | $307,500 |
| 53 | Sumner County | $1,130 | Relatively Moderate | $364,000 |
| 54 | Warren County | $1,144 | Relatively Low | $173,900 |
| 55 | Franklin County | $1,149 | Relatively Low | $215,700 |
| 56 | Grundy County | $1,243 | Very Low | $133,400 |
| 57 | Bledsoe County | $1,246 | Very Low | $165,400 |
| 58 | Cannon County | $1,257 | Very Low | $227,600 |
| 59 | Smith County | $1,264 | Very Low | $224,500 |
| 60 | Trousdale County | $1,265 | Very Low | $284,100 |
| 61 | Stewart County | $1,316 | Very Low | $182,700 |
| 62 | Lawrence County | $1,333 | Relatively Low | $176,700 |
| 63 | Clay County | $1,339 | Very Low | $136,900 |
| 64 | Bedford County | $1,342 | Relatively Low | $255,300 |
| 65 | Hickman County | $1,387 | Relatively Low | $192,000 |
| 66 | Benton County | $1,398 | Very Low | $123,400 |
| 67 | Marion County | $1,425 | Relatively Low | $173,600 |
| 68 | Marshall County | $1,487 | Relatively Low | $246,100 |
| 69 | McNairy County | $1,488 | Relatively Low | $151,100 |
| 70 | Giles County | $1,507 | Relatively Low | $204,100 |
| 71 | Tipton County | $1,520 | Relatively Moderate | $220,100 |
| 72 | Shelby County | $1,538 | Relatively High | $229,700 |
| 73 | Moore County | $1,576 | Very Low | $259,300 |
| 74 | Hardeman County | $1,630 | Relatively Low | $116,800 |
| 75 | Houston County | $1,646 | Very Low | $150,100 |
| 76 | Wayne County | $1,646 | Relatively Low | $126,600 |
| 77 | Fayette County | $1,778 | Relatively Low | $316,000 |
| 78 | Henderson County | $1,781 | Relatively Low | $156,000 |
| 79 | Sequatchie County | $1,792 | Very Low | $217,800 |
| 80 | Hardin County | $1,807 | Relatively Low | $154,000 |
| 81 | Humphreys County | $1,832 | Relatively Low | $186,900 |
| 82 | Decatur County | $1,882 | Very Low | $133,900 |
| 83 | Chester County | $2,018 | Relatively Low | $155,200 |
| 84 | Carroll County | $2,202 | Relatively Low | $122,100 |
| 85 | Lauderdale County | $2,206 | Relatively Low | $122,100 |
| 86 | Haywood County | $2,243 | Relatively Low | $119,600 |
| 87 | Perry County | $2,275 | Very Low | $113,800 |
| 88 | Crockett County | $2,277 | Relatively Low | $134,100 |
| 89 | Madison County | $2,297 | Relatively Moderate | $189,700 |
| 90 | Gibson County | $2,414 | Relatively Moderate | $149,700 |
| 91 | Weakley County | $2,610 | Relatively Low | $136,300 |
| 92 | Obion County | $2,787 | Relatively Moderate | $122,700 |
| 93 | Henry County | $2,911 | Relatively Moderate | $145,200 |
| 94 | Dyer County | $3,176 | Relatively Moderate | $159,500 |
| 95 | Lake County | $4,744 | Relatively Low | $107,000 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Tennessee