States › Tennessee › Sumner County
Sumner County, Tennessee
Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.
NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NCEI storm records through 30 Jun 2026; OpenFEMA declarations refreshed 29 Sep 2026; NFIP claims as of 8 Sep 2026.
The NCEI record lists 884 events for Sumner County, Tennessee, between 1950 and 2026; damaging wind account for the largest share.
That is 167.0 events per 100 square miles, above the Tennessee figure of 112.2, and 44.1 per 10,000 residents against 66.4 statewide.
20 events fall in the 12 months to 30 Jun 2026. NCEI attributes 21 deaths and 249 injuries to events in the county, with property damage estimated at $126M and crop damage at $153K.
FEMA has designated the county in 22 federal disaster declarations since 1953; the most recent is Severe Winter Storm (major disaster, 6 Feb 2026).
National Flood Insurance Program policyholders in the county filed 706 claims since 1978, of which 551 were paid, totalling $14M (about $26K per paid claim). FEMA counts 598 residential flood policies in force.
FEMA's National Risk Index rates the county's overall risk as "Relatively Moderate" and its expected annual loss as "Relatively Moderate" ($87M a year across 18 hazards).
6 tropical storm or hurricane tracks in the HURDAT2 record passed within 100 miles of the county's centre at tropical-storm strength or more, 0 of them within 50 miles at hurricane strength.
Compared with Tennessee and the United States
| Measure | Sumner County | Tennessee | US |
|---|---|---|---|
| Recorded events since 1950 | 884 | 46,283 | 1,977,440 |
| Events per 100 square miles | 167.0 | 112.2 | 56.0 |
| Events per 10,000 residents | 44.1 | 66.4 | 59.6 |
| Events in the last 12 months | 20 | 1,524 | 62,008 |
| Deaths recorded by NCEI | 21 | 804 | 26,435 |
| Property damage (NCEI estimates) | $126M | $9.2B | $575B |
| NFIP claims per 1,000 residents | 3.5 | 2.5 | 8.1 |
| Average paid NFIP claim | $26K | $33K | $43K |
| Claims per 100 policies in force, last 10 years | 21.7 | 20.9 | 16.1 |
County-recorded events plus zone-recorded events whose forecast zone is named for the county. State and US rows include events recorded only by forecast zone. Rates use 2021 Census population and land area.
Events by decade
Trend: 594 events in the 20 years to 2025 against 234 in the 20 years before. Reporting practice changed in 1996 and again with automated reports in the 2000s, so decade totals measure the record as much as the weather.
Events by type
Hazard pages exist for hail, tornado, flood, wind and winter where the county has at least 10 recorded events. "Other" covers heavy rain, debris flow, dust, funnel clouds and similar reports.
Largest recorded events
| Date | Event type | Group | Magnitude | Property damage | Crop damage | Deaths | Injuries | Geography |
|---|---|---|---|---|---|---|---|---|
| 7 Apr 2006 | Tornado | Tornado | F3 | $69M | — | 7 | 121 | County |
| 5 Feb 2008 | Tornado | Tornado | EF3 | $10M | — | 8 | 14 | County |
| 1 Dec 2011 | Freezing Fog | Fog | — | $500K | — | 2 | 17 | Forecast zone |
| 3 Mar 2023 | High Wind | Wind | 58 mph | $7.0M | — | 2 | 4 | Forecast zone |
| 27 Apr 1970 | Tornado | Tornado | F4 | $2.5M | — | 1 | 10 | County |
| 29 Dec 2019 | Flash Flood | Flood | — | — | — | 1 | — | County |
| 18 May 1995 | Tornado | Tornado | F2 | $3.0M | — | — | 28 | County |
| 5 May 1999 | Tornado | Tornado | F2 | $1.0M | — | — | 17 | County |
| 10 Nov 2002 | Tornado | Tornado | F2 | $500K | — | — | 6 | County |
| 25 Mar 2021 | Thunderstorm Wind | Wind | 85 mph | $200K | — | — | 4 | County |
| 27 Feb 1956 | Tornado | Tornado | F3 | $25K | — | — | 4 | County |
| 4 Mar 1955 | Tornado | Tornado | F2 | — | — | — | 4 | County |
| 17 May 1980 | Tornado | Tornado | F1 | $25K | — | — | 3 | County |
| 10 Nov 1984 | Tornado | Tornado | F1 | $25K | — | — | 3 | County |
| 15 Jun 2016 | Thunderstorm Wind | Wind | 60 mph | $1K | — | — | 2 | County |
| 10 Jul 1986 | Thunderstorm Wind | Wind | 0 mph | — | — | — | 2 | County |
| 9 Dec 2023 | Tornado | Tornado | EF2 | $10M | — | — | 1 | County |
| 11 May 2016 | Flash Flood | Flood | — | $3.0M | — | — | 1 | County |
| 21 May 2013 | Thunderstorm Wind | Wind | 69 mph | $250K | — | — | 1 | County |
| 30 Jun 2009 | Thunderstorm Wind | Wind | 46 mph | $50K | — | — | 1 | County |
Ranked by deaths, then injuries, then NCEI's damage estimate. Deaths and injuries are NCEI counts (direct plus indirect); no personal details are recorded here.
Federal disaster declarations
| Declared | Number | Type | Incident | Title | Programs |
|---|---|---|---|---|---|
| 6 Feb 2026 | DR-4898 | Major disaster | Winter Storm | Severe Winter Storm | Individual assistance, Public assistance |
| 24 Jan 2026 | EM-3635 | Emergency | Winter Storm | Severe Winter Storm | Public assistance |
| 2 Apr 2025 | EM-3625 | Emergency | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, And Flooding | Public assistance |
| 17 Jun 2024 | DR-4792 | Major disaster | Severe Storm | Severe Storms, Tornadoes, And Flooding | Public assistance |
| 13 Dec 2023 | DR-4751 | Major disaster | Severe Storm | Severe Storms And Tornadoes | Individual assistance, Public assistance |
| 17 May 2023 | DR-4712 | Major disaster | Severe Storm | Severe Storms, Straight-Line Winds, And Tornado | Public assistance |
| 14 Jan 2022 | DR-4637 | Major disaster | Tornado | Severe Storms, Straight-Line Winds, And Tornadoes | Individual assistance, Public assistance |
| 2 Apr 2020 | DR-4514 | Major disaster | Biological | Covid-19 Pandemic | Individual assistance, Public assistance |
| 13 Mar 2020 | EM-3473 | Emergency | Biological | Covid-19 | Public assistance |
| 9 May 2011 | DR-1978 | Major disaster | Severe Storm | Severe Storms, Flooding, Tornadoes, And Straight-Line Winds | Public assistance |
| 4 May 2010 | DR-1909 | Major disaster | Severe Storm | Severe Storms, Flooding, Straight-Line Winds, And Tornadoes | Individual assistance, Public assistance |
| 7 Feb 2008 | DR-1745 | Major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, And Flooding | Individual assistance, Public assistance |
| 5 Apr 2006 | DR-1634 | Major disaster | Severe Storm | Severe Storms And Tornadoes | Individual assistance, Public assistance |
| 5 Sep 2005 | EM-3217 | Emergency | Hurricane | Hurricane Katrina Evacuation | Public assistance |
| 8 May 2003 | DR-1464 | Major disaster | Severe Storm | Severe Storms, Tornadoes, And Flooding | Individual assistance, Public assistance |
| 13 Nov 2002 | DR-1441 | Major disaster | Severe Storm | Severe Storms And Tornados | Individual assistance |
| 12 May 1999 | DR-1275 | Major disaster | Severe Storm | Severe Storms, Tornadoes And Flooding | Individual assistance, Public assistance |
| 20 Apr 1998 | DR-1215 | Major disaster | Severe Storm | Severe Storms, Tornadoes And Flooding | Individual assistance |
| 7 Mar 1997 | DR-1167 | Major disaster | Tornado | Heavy Rains, Tornadoes, Flooding, Hail, High Winds | Individual assistance, Public assistance |
| 28 Feb 1994 | DR-1010 | Major disaster | Severe Storm | Severe Winter Ice Storm,Flash Flooding | Public assistance |
| 22 Mar 1975 | DR-459 | Major disaster | Flood | Severe Storms & Flooding | Individual assistance, Public assistance |
| 11 Jul 1969 | DR-263 | Major disaster | Flood | Severe Storms & Flooding | Individual assistance, Public assistance |
Declarations in which FEMA designated this county, from the OpenFEMA Disaster Declarations Summaries (v2). DR: major disaster; EM: emergency; FM: fire management assistance. Programs show whether individual or public assistance was made available.
Flood insurance claims
| Year of loss | Claims | Paid claims | Amount paid | Average paid |
|---|---|---|---|---|
| 2026 | 2 | 2 | $14,829 | $7,414 |
| 2025 | 4 | 3 | $51,530 | $17,177 |
| 2024 | 49 | 39 | $1,484,824 | $38,072 |
| 2023 | 2 | 2 | $13,954 | $6,977 |
| 2022 | 1 | 1 | $5,062 | $5,062 |
| 2021 | 7 | 5 | $87,797 | $17,559 |
| 2020 | 8 | 6 | $143,391 | $23,898 |
| 2019 | 29 | 27 | $742,706 | $27,508 |
| 2018 | 2 | 1 | $21,623 | $21,623 |
| 2017 | 26 | 20 | $564,592 | $28,230 |
| 2016 | 49 | 38 | $1,233,020 | $32,448 |
| 2015 | 3 | 1 | $1,545 | $1,545 |
| 2014 | 1 | 0 | $0 | — |
| 2013 | 21 | 15 | $259,796 | $17,320 |
| 2012 | 4 | 2 | $16,122 | $8,061 |
| 2011 | 5 | 2 | $14,872 | $7,436 |
| 2010 | 361 | 296 | $8,835,428 | $29,849 |
| 2009 | 53 | 40 | $385,611 | $9,640 |
| 2008 | 2 | 2 | $7,351 | $3,676 |
| 2007 | 2 | 2 | $34,711 | $17,356 |
| 2006 | 6 | 5 | $154,303 | $30,861 |
| 2005 | 1 | 1 | $1,828 | $1,828 |
| 2003 | 2 | 2 | $7,016 | $3,508 |
| 2002 | 3 | 3 | $6,351 | $2,117 |
| 2001 | 1 | 1 | $2,585 | $2,585 |
OpenFEMA NFIP claims (v3, as of 8 Sep 2026), aggregated by year of loss; amounts are building, contents and increased-cost-of-compliance payments as recorded. Repetitive-loss counts from the NFIP Multiple Loss Properties file (2 Aug 2026); policies in force from the NFIP Residential Penetration Rates file (3 Aug 2026).
National Risk Index
| Hazard (NRI) | Risk rating | Expected annual loss |
|---|---|---|
| Inland flooding | $42,169,945 | |
| Tornado | $16,124,672 | |
| Cold wave | $10,691,520 | |
| Earthquake | $8,764,444 | |
| Strong wind | $3,309,470 | |
| Hail | $1,717,539 | |
| Heat wave | $1,386,748 | |
| Lightning | $1,017,294 | |
| Ice storm | $924,125 | |
| Winter weather | $456,143 | |
| Drought | $97,039 | |
| Wildfire | $27,616 | |
| Hurricane | $21,978 | |
| Landslide | $1,179 |
FEMA National Risk Index, December 2025 release. Ratings are FEMA's relative comparison of counties; expected annual loss is FEMA's modelled estimate of average yearly building, population and agriculture loss. See how to read the NRI.
Hurricane and tropical storm passes
| Storm | Year | Closest approach | Max wind while within 100 mi |
|---|---|---|---|
| Helene | 2024 | 89 mi | 46 mph |
| Frederic | 1979 | 93 mi | 46 mph |
| Audrey | 1957 | 20 mi | 40 mph |
| Unnamed Atlantic storm | 1915 | 92 mi | 40 mph |
| Unnamed Atlantic storm | 1892 | 63 mi | 46 mph |
| Unnamed Atlantic storm | 1888 | 75 mi | 58 mph |
HURDAT2 best-track positions at tropical-storm strength (34 kt) or more, measured from the county's Census centre point; through the 2025 season. Distance from a track is not the same as the extent of the storm's wind, rain or surge.
ZIP codes with flood claims
ZIP codes whose NFIP claims carry this county's code, with the number of claims. Five or more claims are needed for a ZIP page to be indexed.
Questions and answers
How often does it hail in Sumner County, TN?
NCEI records 163 hail events in Sumner County since 1950, in 37 different years; that is about 2.1 recorded events a year. 20 reports were golf-ball size (1.75 in) or larger.
Has Sumner County had a tornado?
Yes. NCEI records 45 tornadoes in Sumner County since 1950, 14 of them rated (E)F2 or stronger. Tornado deaths recorded: 16.
When was the last federal disaster declaration for Sumner County?
6 Feb 2026: Severe Winter Storm, a major disaster declaration for winter storm. The county appears in 22 declarations since 1953.
How many flood insurance claims have been filed in Sumner County, and how much was paid?
706 NFIP claims since 1978, 551 of them paid, for $14M in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.
Is Sumner County in the National Risk Index's high-risk band?
FEMA's National Risk Index (December 2025) rates the county "Relatively Moderate" for overall risk, "Relatively Moderate" for expected annual loss, "Very Low" for social vulnerability and "Relatively Moderate" for community resilience. These ratings are FEMA's relative comparison across all US counties.
How does Sumner County compare with the rest of Tennessee?
167.0 recorded events per 100 square miles against 112.2 statewide, and 3.5 NFIP claims per 1,000 residents against 2.5. The comparison table on this page shows each measure beside the state and national figures.
Provenance
Storm events: NOAA NCEI Storm Events Database, yearly details files through 30 Jun 2026 (public domain). Declarations: OpenFEMA DisasterDeclarationsSummaries v2, refreshed 29 Sep 2026. Flood claims: OpenFEMA NfipClaims v3 as of 8 Sep 2026; NfipMultipleLossProperties v1 (2 Aug 2026); NfipResidentialPenetrationRates v1 (3 Aug 2026). Risk index: FEMA National Risk Index, December 2025. Hurricane tracks: NHC HURDAT2 through 2025. Population and area: US Census Bureau, 2021 vintage. Built 30 Sep 2026; see the methodology and corrections pages. Hazard hubs: Hail · Tornado · Flood · Wind · Winter.