riskbycounty
FEMA National Risk Index

Henderson County Disaster Risk

Henderson County, Tennessee

FEMA Risk Rating

Relatively Low

National Percentile

63th

of 3,144 counties

State Rank

#37

of 95 (1 = highest risk)

Flood Risk

33th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Very Low

Higher than 33% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Very Low

Higher than 19% of US counties

Tornado

Tornado and severe thunderstorm risk

Relatively Low

Higher than 80% of US counties

Earthquake

Seismic activity and ground shaking risk

Moderate

Higher than 93% of US counties

Hurricane

Tropical cyclone and hurricane risk

Relatively Low

Higher than 53% of US counties

Risk Advisory: Henderson County

Risk Verdict

Henderson County shows a relatively low overall disaster risk profile, scoring in the 63th percentile nationally. The county faces moderate hazard exposure relative to other U.S. counties. Standard emergency preparedness is recommended, with attention to the specific hazards that dominate locally.

Hazard Breakdown

Earthquake risk is the dominant hazard for Henderson County, scoring in the 93th percentile nationally. It is followed by tornado risk at the 80th percentile. Additional hazards include hurricane (53th), flood (33th), wildfire (19th).

Preparedness Context

With earthquake risk as the top concern, Henderson County residents should secure heavy furniture and appliances, know how to shut off utilities, and keep emergency supplies accessible. Secondary risks such as tornado also warrant attention in household and community preparedness planning. FEMA recommends all households maintain at least 72 hours of food, water, and medication supplies regardless of specific hazard exposure.

Regional Context

Henderson County is significantly riskier than the average county in Tennessee. Its composite risk score is 10.7 points higher than the state average, meaning residents face above-average exposure to natural hazards compared to their neighbors.

Is your home insured against Henderson County's risks?

Compare home and flood insurance quotes in minutes.

Get Quotes →

Sponsored

Frequently Asked Questions

What is the natural disaster risk in Henderson County, TN?
Henderson County has a FEMA National Risk Index rating of Relatively Low, placing it in the 63th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect Henderson County?
Henderson County is evaluated for five major natural hazard types: earthquake (93th percentile), tornado (80th percentile), hurricane (53th percentile), flooding (33th percentile), wildfire (19th percentile). The highest-risk hazard is earthquake at the 93th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does Henderson County risk compare to the Tennessee average?
Henderson County's composite risk percentile is 63th, compared to the Tennessee state average of 53th percentile. The state's overall risk rating is Relatively Low. This means Henderson County faces higher natural disaster risk than the typical county in Tennessee.
Is Henderson County at risk for earthquake?
Yes, Henderson County's earthquake risk is at the 93th percentile nationally. This places it in the top quartile for this hazard type. For flooding specifically, Henderson County is at the 33th percentile.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Why is Henderson County higher risk than average?
Henderson County's composite risk score of 63th percentile is above the Tennessee state average of 53th percentile. This elevated risk is driven by earthquake exposure (93th percentile), along with tornado and hurricane risk. Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.

Counties with Similar Risk

Carter County

Tennessee

+0.1

Relatively Low

63th percentile

Hardeman County

Tennessee

-0.1

Relatively Low

63th percentile

Warren County

Tennessee

+0.3

Relatively Low

63th percentile

By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.

Explore more data for Henderson County

Property TaxCost of LivingCrime RateIncomeHealthSchoolsWater QualityWeatherCounty Score