Natural disaster risk in McNairy County, Tennessee
Tennessee · population 25,792 · FIPS 47109
Overall: relatively low risk
McNairy County has a composite risk score of 50.5 out of 100 — higher than 50% of US counties. It ranks 53 of 95 in Tennessee (1 = highest risk). Its highest-rated hazards are earthquake, cold wave, strong wind.
Drought now: Yes: D3 Extreme Drought, 3 weeks
Yes. On the U.S. Drought Monitor map valid 13 October 2026, 34.12% of McNairy County is in D3 Extreme Drought. Some of it has been at D3 or worse for 3 weeks in a row. In all, 100% of the county is in drought (D1 to D4).
Drought in McNairy County: the last 52 weeks · droughtmonitor.unl.edu
The U.S. Drought Monitor is jointly produced by the National Drought Mitigation Center at the University of Nebraska-Lincoln, the United States Department of Agriculture, the National Oceanic and Atmospheric Administration and the National Aeronautics and Space Administration. Map courtesy of NDMC.
Risk, loss, vulnerability and resilience
| Measure | Rating and score |
|---|---|
| Overall risk Expected annual loss, adjusted for social vulnerability and community resilience. |
Relatively low 50.5 |
| Expected annual loss About $14.6 million a year, on average, across all 18 hazards. |
Relatively low 49.7 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Relatively moderate 53.4 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Relatively low 29.1 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in McNairy County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Earthquake | Relatively moderate 90 |
| Cold wave | Relatively moderate 77 |
| Strong wind | Relatively moderate 63 |
| Landslide | Relatively low 74 |
| Heat wave | Relatively low 66 |
| Tornado | Relatively low 60 |
| Lightning | Relatively low 47 |
| Drought | Relatively low 41 |
| Ice storm | Relatively low 27 |
| Hurricane | Very low 57 |
| Inland (riverine) flooding | Very low 33 |
| Wildfire | Very low 26 |
| Hail | Very low 17 |
| Winter weather | Very low 16 |
| Avalanche | Not applicable |
| Coastal flooding | Not applicable |
| Tsunami | Not applicable |
| Volcanic activity | Not applicable |
FEMA disaster declarations for McNairy County
Federal declarations that designated McNairy County, since 1 Jan 2024 (the period this site keeps from OpenFEMA). Older declarations are in FEMA's own dataset.
Yes. McNairy County has been named in 4 FEMA declarations since 1 Jan 2024. The latest is DR-4898-TN (Severe Winter Storm), declared 6 Feb 2026.
| Declaration | Kind | Incident | Declared | Individual assistance here |
|---|---|---|---|---|
| DR-4898-TN | Major disaster | Severe Winter Storm | 6 Feb 2026 | Yes |
| EM-3635-TN | Emergency | Severe Winter Storm | 24 Jan 2026 | No |
| DR-4878-TN | Major disaster | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 19 Jun 2025 | Yes |
| EM-3625-TN | Emergency | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 2 Apr 2025 | No |
All FEMA declarations in Tennessee, with estimated apply-by dates · Open FEMA deadlines
This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). Dataset: Disaster Declarations Summaries - v2.
How to read these ratings
- Ratings run in five steps: very low, relatively low, relatively moderate, relatively high and very high. They compare a county with every other US county; they are not a measure of danger on their own.
- Scores run from 0 to 100 and are national percentiles. The bar shows the score: a score of 80 means a higher value than 80% of US counties.
- Overall risk combines the expected annual loss with social vulnerability and community resilience.
- Expected annual loss is the average yearly loss to buildings, people and agriculture the model expects from all 18 hazards.
- Social vulnerability describes how hard it may be for people to prepare for and recover from a disaster. Higher is worse.
- Community resilience describes a community's ability to prepare, adapt and recover. Higher is better.
- "Not applicable" means FEMA does not model that hazard there (for example, hurricanes far inland).
About this data
Source: FEMA National Risk Index, version 1.20, released December 2025, published by the Federal Emergency Management Agency (US public domain). About the National Risk Index. The index is a model of relative risk built from historical hazard records, what is exposed and community factors. It is not a forecast, it does not describe any single property, and it is not insurance or financial advice. For decisions about a specific address, check FEMA's flood maps and your local emergency management office.
Questions
What is the natural disaster risk in McNairy County, Tennessee?
FEMA's National Risk Index rates the overall risk in McNairy County as relatively low, with a score of 50.5 out of 100 (higher than 50% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in McNairy County?
The hazards rated highest for McNairy County are earthquake (relatively moderate), cold wave (relatively moderate), strong wind (relatively moderate).
What is the flood risk in McNairy County?
FEMA rates inland (river and rain) flooding risk in McNairy County as very low. For a specific property, check the FEMA flood map and your local floodplain office.
Has McNairy County had a FEMA disaster declaration?
Yes. McNairy County has been named in 4 FEMA declarations since 1 Jan 2024. The latest is DR-4898-TN (Severe Winter Storm), declared 6 Feb 2026.
Is McNairy County in a drought?
Yes. On the U.S. Drought Monitor map valid 13 October 2026, 34.12% of McNairy County is in D3 Extreme Drought. Some of it has been at D3 or worse for 3 weeks in a row. In all, 100% of the county is in drought (D1 to D4).
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