Memphis, TN real-estate risk
Memphis, TN (Shelby County) carries a FEMA National Risk Index score of 99.4/100 — rated "Relatively High" — driven mainly by tornado and heat wave, with roughly $555M in expected natural-hazard losses per year (FEMA NRI, 2025).
Hazard scores (0–100)
Expected annual loss
$555M/yr
all natural hazards, county-wide
Buildings-only loss
$315M/yr
the part that hits owners + insurers
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.
Memphis risk — FAQ
Is Memphis, TN a high-risk area for real estate?
Memphis scores 99.4/100 on FEMA's National Risk Index — rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $555M per year.
What is the biggest natural hazard in Memphis?
The highest-rated hazard is tornado (99.8/100), followed by heat wave (99.6/100).
How does hazard risk affect property insurance in Memphis?
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.
Scan a Memphis property — free
Drop in any Memphisaddress and PropHunt's AI pulls the cap rate, comps, permit history and the full hazard/insurance read — no card required.
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.
Other metros