Cumberland County
Tennessee — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 67th
Cumberland County faces low composite natural disaster risk (NRI Risk Index score 67.2, 67th national percentile), driven primarily by cold wave and tornado exposure. Expected annual loss across all 18 hazard types is $19M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Cold Wave | Medium | 1.16 / yr | $4M |
| Tornado | Medium | 0.35 / yr | $4M |
| Winter Weather | High | 9.63 / yr | $203K |
| Earthquake | Low | 0.00 / yr | $2M |
| Lightning | High | 59.97 / yr | $614K |
| Landslide | Low | 1.32 / yr | $13K |
| Strong Wind | Medium | 5.19 / yr | $970K |
| Wildfire | Low | 0.00 / yr | $150K |
| Hail | Low | 3.07 / yr | $356K |
| Ice Storm | Medium | 0.68 / yr | $113K |
| Drought | Low | 24.72 / yr | $190K |
| Riverine Flood | Low | 1.43 / yr | $6M |
| Hurricane | Very Low | 0.02 / yr | $58K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Heat Wave | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Cumberland County?
Cumberland County has a composite FEMA National Risk Index score of 67.2 out of 100, placing it in the Low category and the 67th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Cumberland County?
The three highest-rated hazards are Cold Wave (Medium, $4M EAL), Tornado (Medium, $4M EAL), Winter Weather (High, $203K EAL). These account for most of the county's expected annual losses.
How does Cumberland County compare to other Tennessee counties?
Cumberland County ranks #31 of 95 Tennessee counties for overall natural disaster risk, with a low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Cumberland County's $19M EAL is a statistical average, not a guarantee for any specific year or address.