Houston County
Tennessee — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 13th
Houston County faces very low composite natural disaster risk (NRI Risk Index score 13.1, 13th national percentile), driven primarily by earthquake and strong wind exposure. Expected annual loss across all 18 hazard types is $5M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Earthquake | Low | 0.01 / yr | $881K |
| Strong Wind | Medium | 4.65 / yr | $650K |
| Landslide | Very Low | 0.94 / yr | $1K |
| Tornado | Low | 0.17 / yr | $1M |
| Cold Wave | Low | 1.32 / yr | $731K |
| Ice Storm | Low | 0.73 / yr | $50K |
| Drought | Very Low | 7.64 / yr | $26K |
| Lightning | Low | 57.48 / yr | $95K |
| Heat Wave | Very Low | 5.74 / yr | $106K |
| Hurricane | Very Low | 0.01 / yr | $9K |
| Hail | Very Low | 3.20 / yr | $51K |
| Riverine Flood | Very Low | 0.71 / yr | $2M |
| Winter Weather | Very Low | 5.84 / yr | $5K |
| Wildfire | Very Low | 0.00 / yr | $994 |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | 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 Houston County?
Houston County has a composite FEMA National Risk Index score of 13.1 out of 100, placing it in the Very Low category and the 13th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Houston County?
The three highest-rated hazards are Earthquake (Low, $881K EAL), Strong Wind (Medium, $650K EAL), Landslide (Very Low, $1K EAL). These account for most of the county's expected annual losses.
How does Houston County compare to other Tennessee counties?
Houston County ranks #87 of 95 Tennessee counties for overall natural disaster risk, with a very 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. Houston County's $5M EAL is a statistical average, not a guarantee for any specific year or address.