Risk Index · Hamilton County · 2026-06-13
Chattanooga, TN real-estate risk
- Risk score
- 93.3/100
- Relatively Moderate
- Expected annual loss
- $140M
- all hazards, county-wide
- Buildings-only loss
- $100M
- what owners and insurers carry
- Population
- 366K
- Hamilton County
Chattanooga, TN (Hamilton County) carries a FEMA National Risk Index score of 93.3/100, rated "Relatively Moderate" and driven mainly by tornado and strong wind, with roughly $140M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Tornado98.6
- Strong wind97.5
- Earthquake95.7
- Riverine flood94.9
- Hail82.6
- Heat wave75.6
- Wildfire70.6
- Hurricane62.5
- Drought36.6
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Chattanooga risk questions
Is Chattanooga, TN a high-risk area for real estate?
Chattanooga scores 93.3/100 on FEMA's National Risk Index, rated "Relatively Moderate" versus all US counties. Its expected natural-hazard loss is about $140M per year.
What is the biggest natural hazard in Chattanooga?
The highest-rated hazard is tornado (98.6/100), followed by strong wind (97.5/100).
How does hazard risk affect property insurance in Chattanooga?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.