Hazard Plain Automated baseline

Tipton County, TN

Risk-assessment baseline packet

County FIPS:
47167
Release:
2026-10
Data as of:
2026-09-30
Storm Events data through:
2026-06-30

Hazard Plain is an independent product built from public federal data. It is not a FEMA document and is not reviewed or endorsed by FEMA or any state agency.

Hazard Plain release 2026-10, as of 2026-09-30.

Summary

Plan status as of 2026-09-30: Approved, expires 2027-01-05. Plan: Tipton County (FEMA plan 107809), approved 2022-01-06.

Since the plan was approved on 2022-01-06: 9 new hazard declarations (7 incidents) and 157 NOAA Storm Events records; details under "What changed since your last plan".

Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Earthquake ($13,379,465 a year), Tornado ($7,093,786) and Inland Flooding ($5,732,835).

The tables that follow are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); each heading says which item its tables support.

Plan clock

Status:
Approved, expires 2027-01-05
Plan:
Tipton County (FEMA plan 107809)
Approved:
2022-01-06
Days to expiry:
97
Update underway:
none recorded in FEMA's plan tracker

What changed since your last plan (approved 2022-01-06)

New federal declarations:
9 new hazard declarations (7 incidents): DR-4645-TN (Severe Winter Storm), DR-4701-TN (Severe Storms, Straight-Line Winds, and Tornadoes), DR-4712-TN (Severe Storms, Straight-Line Winds, and Tornado), DR-4729-TN (Severe Storms and Straight-Line Winds), DR-4735-TN (Severe Storms and Straight-Line Winds), EM-3625-TN (Severe Storms, Straight-Line Winds, Tornadoes, and Flooding), DR-4878-TN (Severe Storms, Straight-Line Winds, Tornadoes, and Flooding), EM-3635-TN (Severe Winter Storm), DR-4898-TN (Severe Winter Storm)
Storm Events records since approval:
157 records (data through 2026-06-30)
Repetitive loss now:
FMA RL 1, SRL 6 (44 CFR 77.2); any definition: 14
Repeat-flood change:
this release sets the baseline count.

Sources: 1, 2, 4, 6 (numbered list at the end)

Plan status for every jurisdiction listed in this county

Source: 1

JurisdictionTypeStatusPlanApprovedExpiresDays to expirynegative = days since expiryNotes
Tipton County (unincorporated area)UnincorporatedApproved, expires 2027-01-05Tipton County (FEMA plan 107809)2022-01-062027-01-0597
Atoka townTownApproved, expires 2027-01-05Tipton County (FEMA plan 107809)2022-01-062027-01-0597
Brighton townTownApproved, expires 2027-01-05Tipton County (FEMA plan 107809)2022-01-062027-01-0597
Burlison townTownApproved, expires 2027-01-05Tipton County (FEMA plan 107809)2022-01-062027-01-0597
Covington cityCityApproved, expires 2027-01-05Tipton County (FEMA plan 107809)2022-01-062027-01-0597
Garland townTownApproved, expires 2027-01-05Tipton County (FEMA plan 107809)2022-01-062027-01-0597
Gilt Edge cityCityApproved, expires 2027-01-05Tipton County (FEMA plan 107809)2022-01-062027-01-0597
Mason townTownApproved, expires 2027-01-05Tipton County (FEMA plan 107809)2022-01-062027-01-0597
Munford cityCityApproved, expires 2027-01-05Tipton County (FEMA plan 107809)2022-01-062027-01-0597
Tipton County School DistrictSchool/School DistrictApproved, expires 2027-01-05Tipton County (FEMA plan 107809)2022-01-062027-01-0597this jurisdiction approved 2022-01-18

State plan status and tribal plans in this state: see the state page.

Supports FEMA checklist item B1-a: hazard identification

Hazards NRI does not cover (local data needed)

  • dam failure (incl. upstream dams)
  • levee failure
  • flash flood as its own subtype
  • ice jams
  • debris flows
  • erosion (riverine and coastal)
  • land subsidence and sinkholes
  • expansive soils

The 18 National Risk Index hazards, ranked by expected annual loss (EAL)

Sources: 5, 6

Rank by EALHazardNRI risk ratingEAL ratingEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL total (see note)modeled dollars per yearStorm Events records, 1996 to 2026-06-30countStorm Events coverage note
1EarthquakeRelatively ModerateRelatively Moderate$7,185,076n/a$6,194,389$13,379,465Storm Events does not record earthquakes.
2TornadoRelatively HighRelatively Moderate$1,255,109$4,884$5,833,794$7,093,78615
3Inland FloodingRelatively LowRelatively Low$5,450,104$2,278$280,452$5,732,83559
4Cold WaveRelatively ModerateRelatively Moderate$13,323$2,278$3,618,674$3,634,27512Includes 2 Frost/Freeze records (outside NRI's Cold Wave definition; counted in this table and in B1-d, not in the B1-e descriptor).
5Heat WaveRelatively ModerateRelatively Moderate$105$516$2,422,129$2,422,750114
6Ice StormRelatively HighRelatively High$301,610n/a$489,278$790,8886
7LightningRelatively ModerateRelatively Moderate$15,522n/a$501,711$517,2334
8Strong WindRelatively LowRelatively Low$115,210$1,002$216,856$333,069146Includes 2 High Wind and 4 Strong Wind records (NOAA non-thunderstorm wind types, outside NRI's Strong Wind definition).
9DroughtRelatively LowRelatively Lown/a$186,349n/a$186,34925
10HailRelatively LowVery Low$5,514$170$105,793$111,47786
11HurricaneVery LowVery Low$17,598$22,094$718$40,4101
12Winter WeatherRelatively LowRelatively Low$13,113$2$4,815$17,92954
13WildfireVery LowVery Low$10,115$10$2,321$12,4461
14LandslideRelatively LowVery Low$4,709n/a$341$5,0500Declared 1 time; no Storm Events record of this type.

Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).

NRI risk rating combines expected annual loss with social vulnerability and community resilience; EAL rating rates expected annual loss alone. Both compare this county with all U.S. counties.

Local data needed: state and local landslide records (Storm Events records this hazard only in part).

Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: avalanche, coastal flooding, tsunami and volcanic activity. That is the evidence for leaving them out of the plan.

The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.

Supports FEMA checklist item B1-b: hazard location

Affects the whole county (national data give no location within it): Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather.

Inland Flooding: The FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.

Hazards that vary within the county: highest-rated census tracts

Source: 5

HazardHighest-rated census tractsNRI risk rating, score 0 to 100
Earthquaketract 407 (Very High, 98.3); tract 406.01 (Relatively High, 97.3); tract 406.02 (Relatively High, 95.2)
Hurricanetract 406.01 (Very Low, 48.6); tract 406.02 (Very Low, 48.5); tract 409 (Very Low, 47.8)
Landslidetract 401 (Relatively Moderate, 95.8); tract 403.04 (Relatively Low, 93.2); tract 402 (Relatively Low, 90.4)
Tornadotract 403.04 (Very High, 99.4); tract 406.01 (Very High, 99.1); tract 403.02 (Very High, 99.1)
Wildfiretract 403.04 (Relatively Low, 77.5); tract 401 (Relatively Low, 75.5); tract 408 (Relatively Low, 71.8)

Up to 3 census tracts per hazard, highest National Risk Index rating first, then highest score; a tract number is the Census tract number (for example 407 is Census Tract 407). FEMA's Resilience Analysis and Planning Tool maps the National Risk Index for every tract: https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool

Supports FEMA checklist item B1-c: hazard extent

Extent: scale, observed range and worst recorded event per hazard

Sources: 6, 7

HazardScaleRecordscount and yearsObserved rangeWorst recorded eventMost damaging (when different)How it applies to jurisdictionsNote
Cold/Wind Chill, Extreme Cold/Wind Chillwind chill10 records, 2021 to 2026 (10 zone-level)1 day to 4 days (median 3 days); 5 with a recorded value4 consecutive days, 2026-01-24 to 2026-01-27, zone-levelCountywide (zone-level records).
Frost/Freeze (outside NRI's Cold Wave definition)crop damage2 records, 2007 (2 zone-level)No crop damage reported in 2 records.Countywide (zone-level records).
DroughtU.S. Drought Monitor scale (D0 to D4)25 records, 2007 to 2026 (25 zone-level)16 days to 155 days (median 99 days); 7 with a recorded value155 days (about 5.1 months), 2012-06-26 to 2012-11-27, a run of 6 consecutive Storm Events drought records, zone-levelCountywide (zone-level records).Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only.
EarthquakeModified Mercalli (local data)0Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hailhail size (inches)98 records, 1971 to 20250.75 in to 2.75 in (median 1 in); 98 with a recorded value2.75 in hail, 2005-04-29; same size also recorded on 1999-01-17, 2003-05-06Event records naming jurisdictions in the plan: Covington city (20 records), Atoka town (14 records), Brighton town (8 records), Gilt Edge city (8 records), Munford city (8 records), Burlison town (5 records), Mason town (4 records), Garland town (2 records).
Excessive Heat, Heatheat index (in event narratives)114 records, 2007 to 2026 (114 zone-level)1 day to 21 days (median 2.5 days); 64 with a recorded valueAugust 2007 (1 monthly summary record), zone-levelCountywide (zone-level records).
Hurricane, Tropical Storm, Tropical DepressionSaffir-Simpson1 record, 2005 (1 zone-level)Strongest recorded: Tropical Storm record, 2005-08-29 to 2005-08-30, $30,000 property; crops not reported (2005 dollars); NWS zone TNZ049Countywide (zone-level records).Storm Events files every zone of a storm's episode under the storm's type; flooding from the storm is filed as Flood or Flash Flood records.
Ice StormSperry-Piltz ice scale (local data)6 records, 1998 to 2022 (6 zone-level)Ice Storm, 1998-12-23, $1,000 property; crops not reported (1998 dollars); NWS zone TNZ049Countywide (zone-level records).
Flash Flood, Flood, Lakeshore Flooddamage and flood days (flood depth: FIRM)59 records, 1996 to 2025 (4 zone-level)Flash Flood, 2010-05-01, $20,500,000 property; $0 crops (2010 dollars), 1 direct deathEvent records naming jurisdictions in the plan: Covington city (15 records), Munford city (7 records), Mason town (6 records), Atoka town (4 records), Brighton town (3 records), Burlison town (1 record). Zone-level records (4) apply countywide.Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage is often $0 or blank for floods, major ones included; FEMA Public Assistance by declaration (B1-d) shows which floods cost the most.
Debris Flownone (count and damage only)0
Lightningannualized frequency (the measure FEMA's Local Mitigation Planning Handbook names)4 records, 1996 to 2007Lightning, 1997-07-01, $50,000 property; crops not reported (1997 dollars)Event records naming jurisdictions in the plan: Covington city (3 records), Brighton town (1 record).Storm Events lists lightning with damage or casualties.
High Wind and Strong Wind (outside NRI's Strong Wind definition)wind speed (kt and mph)6 records, 2008 to 2024 (6 zone-level)39 kt (45 mph) to 50 kt (58 mph) (median 48 kt (55 mph)); 6 with a recorded value50 kt (58 mph) measured gust, High Wind, 2008-01-29; NWS zone TNZ049Countywide (zone-level records).
Thunderstorm Windwind speed (kt and mph)173 records, 1968 to 202643 kt (49 mph) to 83 kt (96 mph) (median 50 kt (58 mph)); 108 with a recorded value83 kt (96 mph) estimated gust, Thunderstorm Wind, 2023-03-31Thunderstorm Wind, 2011-04-19, $1,660,000 property; $0 crops (2011 dollars)Event records naming jurisdictions in the plan: Covington city (36 records), Atoka town (18 records), Munford city (18 records), Brighton town (10 records), Mason town (10 records), Burlison town (6 records), Garland town (4 records), Gilt Edge city (4 records).
TornadoEnhanced Fujita (Fujita before Feb 2007)28 records, 1964 to 2023F/EF0 to F/EF3 (median F/EF1); 28 with a recorded valueF3 tornado, 1968-04-03, 24.3 mi path length (whole path, pre-1996), 1,760 yd wide, $2,500,000 property; crops not recorded (1968 dollars), 4 direct deaths, 28 direct injuriesTornado, 2023-03-31, $80,000,000 property; $0 crops (2023 dollars)Event records naming jurisdictions in the plan: Covington city (2 records), Munford city (1 record).Before 1996 a tornado is listed once, under the county where it began, with its whole path's rating and length; from 1996 on, each county lists its own segment. Length is not used to rank tornadoes (see Methods).
Wildfireacres burned (local data)1 record, 2019 (1 zone-level)No damage reported in 1 record.Countywide (zone-level records).
Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleetnone in data (snowfall: local data)54 records, 1997 to 2025 (54 zone-level)Winter Storm, 1998-01-15, $100,000 property; crops not reported (1998 dollars); NWS zone TNZ049Countywide (zone-level records).

In event narratives only (local data needed): wind chill, temperature, heat index, ice thickness, acres burned and snow depth; any physical measure of debris flow and lightning.

Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records from zones that no NWS zone-county file places in this county (mostly before 2020) are not counted here (the Methods page explains the zone matching).

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

A monthly summary record covers most or all of a month; it does not count days at wave conditions.

Supports FEMA checklist item B1-d: previous occurrences

Federal declarations for this county: 25 declarations covering 20 separate hazard incidents counted in this packet (declarations for the same incident count once; non-natural and evacuation-only declarations are not counted).

Federal disaster declarations for this county

Sources: 1, 2, 3

DeclaredIncident beganFEMA numberTypeTitleMapped hazardCounty Public Assistancefederal share obligated, nominal dollarsFlagsNotes
2026-02-062026-01-22DR-4898-TNMajor disasterSevere Winter StormWinter Weather$110,485.19new since last plan; within last 5 years
2026-01-242026-01-22EM-3635-TNEmergencySevere Winter StormWinter Weatherno Public Assistance recordednew since last plan; within last 5 yearssame incident as DR-4898
2025-06-192025-04-02DR-4878-TNMajor disasterSevere Storms, Straight-Line Winds, Tornadoes, and FloodingInland Flooding; Strong Wind; Tornado$1,951,485.34new since last plan; within last 5 years
2025-04-022025-04-02EM-3625-TNEmergencySevere Storms, Straight-Line Winds, Tornadoes, and FloodingInland Flooding; Strong Wind; Tornadono Public Assistance recordednew since last plan; within last 5 yearssame incident as DR-4878
2023-09-042023-07-18DR-4735-TNMajor disasterSevere Storms and Straight-Line WindsStrong Wind$57,551.41new since last plan; within last 5 years
2023-08-172023-06-25DR-4729-TNMajor disasterSevere Storms and Straight-Line WindsStrong Wind$40,622.13new since last plan; within last 5 years
2023-05-172023-03-01DR-4712-TNMajor disasterSevere Storms, Straight-Line Winds, and TornadoStrong Wind; Tornado$44,484.89new since last plan; within last 5 years
2023-04-072023-03-31DR-4701-TNMajor disasterSevere Storms, Straight-Line Winds, and TornadoesStrong Wind; Tornado$38,979,631.08new since last plan; within last 5 years
2022-03-112022-02-03DR-4645-TNMajor disasterSevere Winter StormWinter Weather$480,825.38new since last plan; within last 5 years
2020-04-022020-01-20DR-4514-TNMajor disasterCOVID-19 PandemicNon-natural, not counted$284,109.12
2020-03-132020-01-20EM-3473-TNEmergencyCOVID-19Non-natural, not countedno Public Assistance recordedsame incident as DR-4514
2019-04-172019-02-19DR-4427-TNMajor disasterSevere Storms, Flooding, Landslides, and MudslidesInland Flooding (primary); also designated: Landslide$578,724.28
2014-08-132014-06-05DR-4189-TNMajor disasterSevere Storms, Tornadoes, Straight-Line Winds, and FloodingInland Flooding; Strong Wind; Tornado$143,903.74
2014-04-112014-03-02DR-4171-TNMajor disasterSevere Winter StormIce Storm$343,851.30
2011-05-092011-04-19DR-1979-TNMajor disasterSevere Storms, Straight-Line Winds, Tornadoes, and FloodingInland Flooding; Strong Wind; Tornado$2,393,176.47
2010-05-042010-04-30DR-1909-TNMajor disasterSevere Storms, Flooding, Straight-Line Winds, and TornadoesInland Flooding; Strong Wind; Tornado$2,456,212.33
2008-02-072008-02-05DR-1745-TNMajor disasterSevere Storms, Tornadoes, Straight-Line Winds, and FloodingInland Flooding; Strong Wind; TornadoPA not declared for this county
2005-09-052005-08-29EM-3217-TNEmergencyHurricane Katrina EvacuationHurricane: evacuation support, not a local hazard event; not counted$23,673.05
2003-05-082003-05-04DR-1464-TNMajor disasterSevere Storms, Tornadoes, and FloodingInland Flooding; Tornado$311,501.28
2002-11-132002-11-09DR-1441-TNMajor disasterSevere Storms and TornadosTornado$153,794.81
1998-01-131998-01-06DR-1197-TNMajor disasterSevere Storms and FloodingInland Floodingno Public Assistance recorded
1997-03-071997-02-28DR-1167-TNMajor disasterHeavy Rains, Tornadoes, Flooding, Hail, High WindsTornado (primary); also designated: Inland Floodingno Public Assistance recorded
1994-02-281994-02-09DR-1010-TNMajor disasterSevere Winter Ice Storm,Flash FloodingIce Storm; Inland Flooding; Winter Weatherno Public Assistance recorded
1975-03-221975-03-22DR-459-TNMajor disasterSevere Storms & FloodingInland Floodingno Public Assistance recorded
1973-05-111973-05-11DR-382-TNMajor disasterSevere Storms & FloodingInland Floodingno Public Assistance recorded

County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.

Statewide declarations

Source: 2

DeclaredIncident beganFEMA numberTypeTitleMapped hazard
1963-03-271963-03-27DR-151-TNMajor disasterSevere Storms & FloodingInland Flooding

FEMA recorded these with designated area Statewide and no county, so they are listed on every county page in the state and not counted with county rows. Local data needed: whether each one affected this county.

Public Assistance filed under this county for declarations that do not list it: 1 row, $1,670.85

Sources: 2, 3

FEMA numberDeclaredTitleApplicantPA obligatedfederal share obligated, nominal dollars
DR-1634-TN2006-04-05Severe Storms and TornadoesBraden, Town of$1,670.85

FEMA's Public Assistance summaries file these applicants under this county, but FEMA's declaration rows for these disasters do not designate it (an electric cooperative or district serving several counties, for example). Not in any declaration row above and not counted.

Public Assistance not placed in any Tennessee county: 5 rows, $12,113,670.26; listed on the Tennessee state page.

Source: 3

Previous occurrences by hazard, with explicit no-event rows

Sources: 2, 6, 7

HazardStorm Events records, all years on file(years in the Period column)Since plan approvalrecordsIn the 12 months before plan approvalrecordsLast 5 yearsrecordsDeclared incidents, all yearsseparate disastersDeclared since approvalseparate disastersPeriodStatement
Cold Wave12919001996 to 2026-06-30Includes 2 Frost/Freeze records.
Drought25707001996 to 2026-06-30
Earthquake000000Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hail9810210001955 to 2026-06-30
Heat Wave11467567001996 to 2026-06-30
Hurricane1000001996 to 2026-06-30
Ice Storm6212201996 to 2026-06-30
Inland Flooding59103101211996 to 2026-06-30
Landslide0000101996 to 2026-06-30No Storm Events records of this type; 1 federal declared incident (see declarations table)
Lightning4000001996 to 2026-06-30
Strong Wind17938038951955 to 2026-06-30Includes 2 High Wind and 4 Strong Wind records.
Tornado284141031950 to 2026-06-30
Wildfire1000001996 to 2026-06-30
Winter Weather5410210321996 to 2026-06-30

Notable Storm Events records

Sources: 1, 6, 7

DateEvent typeMagnitude or extentDamagenominal dollarsDeaths, injuriesdirect onlyLocationFlagsWhy listed
2026-01-24Cold/Wind Chill$0 property; $0 crops (zone total, 2026 dollars)0, 0NWS zone TNZ049 (TIPTON), zone-levelnew since last plan; within last 5 yearsB1-c worst recorded: Cold/Wind Chill, Extreme Cold/Wind Chill
2023-03-31Thunderstorm Wind83 kt (96 mph) estimated gust$50,000 property; $0 crops (2023 dollars)0, 0DIXONVILLE to PECKERWOOD PTnew since last plan; within last 5 yearsB1-c worst recorded: Thunderstorm Wind
2023-03-31TornadoEF3, 20.36 mi within this county, 2,000 yd wide$80,000,000 property; $0 crops (2023 dollars)1, 28MUNFORD to ANTIOCHnew since last plan; within last 5 yearsdeaths or injuries recorded
2012-06-26Droughtdamage not reported0, 0NWS zone TNZ049 (TIPTON), zone-levelB1-c worst recorded: Drought
2010-05-01Flash Flood$20,500,000 property; $0 crops (2010 dollars)1, 0DETROIT to DIXONVILLEB1-c worst recorded: Flash Flood, Flood, Lakeshore Flood
2008-01-29High Wind50 kt (58 mph) measured gust$12,000 property; $0 crops (zone total, 2008 dollars)0, 0NWS zone TNZ049 (TIPTON), zone-levelB1-c worst recorded: High Wind and Strong Wind
2007-08-05Heat$0 property; $0 crops (zone total, 2007 dollars)0, 0NWS zone TNZ049 (TIPTON), zone-levelB1-c worst recorded: Excessive Heat, Heat
2005-04-29Hail2.75 in$8,500 property; crops not reported (2005 dollars)0, 0GILT EDGEB1-c worst recorded: Hail
1998-12-23Ice Storm$1,000 property; crops not reported (zone total, 1998 dollars)0, 0NWS zone TNZ049 (TIPTON), zone-levelB1-c worst recorded: Ice Storm
1997-07-01Lightning$50,000 property; crops not reported (1997 dollars)0, 0COVINGTONB1-c worst recorded: Lightning
1975-04-25TornadoF1, 7.4 mi path length (whole path, pre-1996), 440 yd wide$25,000 property; crops not recorded (1975 dollars)1, 1location not recordeddeaths or injuries recorded
1968-04-03TornadoF3, 24.3 mi path length (whole path, pre-1996), 1,760 yd wide$2,500,000 property; crops not recorded (1968 dollars)4, 28location not recordeddeaths or injuries recorded

The full list is in the Excel file, sheet "B1-d Storm Events history" (581 rows).

Location is the place NOAA recorded, as written in its data; it need not be a jurisdiction in this plan.

Local data needed: state-declared emergencies, from your state emergency management agency (federal data do not include them).

FEMA's declaration data list no tribal or special-area declarations for this state.

Supports FEMA checklist item B1-e: probability of future events

Probability: FEMA annualized frequency and descriptor per hazard

Sources: 5, 6

HazardFEMA annualized frequency (modeled)unit per rowUnitIn plain termsDescriptorDescriptor basisNRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional)NRI periodLocationNote
Cold Wave1.89event-days per yearabout 1.89 days per yearLikelyStorm Events event-days in 3 of 30 years, 1996 to 2025 (10%)362005-11-12 to 2024-11-12 (19 years)countywide
Drought7.32event-days per yearabout 7.32 days per yearLikelyStorm Events event-days in 8 of 30 years, 1996 to 2025 (26.7%)2872000 to 2025 (25.25 years; D3 and D4 only)countywide
Earthquake0.0101annual probability at a locationchance a given location in the county has at least minor-damage shaking in a year: 1.01%not shownmodeledsee B1-fNo descriptor (Storm Events does not record earthquakes).
Hail3.28events per yearabout 3.28 per yearHighly likelyFEMA annualized frequency (modeled)124.5 (modeled)1986 to 2023 (38 years)countywide
Heat Wave19event-days per yearabout 19 days per yearLikelyStorm Events event-days in 15 of 30 years, 1996 to 2025 (50%)3112005-11-12 to 2024-11-12 (19 years)countywide
Hurricane0.0269events per yearabout 1 in 37 yearsPossibleFEMA annualized frequency (modeled)81851 to 2024 (Atlantic)see B1-fNRI counts hurricane and tropical storm tracks passing within storm-force wind range; federal declarations are in B1-d.
Ice Storm1.08event-days per yearabout 1.08 days per yearLikelyStorm Events event-days in 4 of 30 years, 1996 to 2025 (13.3%)741946-12-31 to 2014-02-12 (67 years)countywide
Inland Flooding1.75event-days per yearabout 1.75 days per yearLikelyStorm Events event-days in 24 of 30 years, 1996 to 2025 (80%)491996 to 2023 (28 years)see B1-f
Landslide0.573events per year (modeled)about 0.57 per yearLikelyFEMA annualized frequency (modeled)not shownmodeledsee B1-f
Lightning58.2days per year with a strikeabout 58.2 days per yearHighly likelyFEMA annualized frequency (modeled)not shown1995 to 2023 (29 years; CONUS)countywide
Strong Wind1.4events per yearabout 1.4 per yearHighly likelyFEMA annualized frequency (modeled)541986 to 2023 (38 years)countywide
Tornado0.337events per yearabout 1 in 3 yearsLikelyFEMA annualized frequency (modeled)not shown1950 to 2023 (EF2+); 1986 to 2023 (EF0-1)see B1-f
Wildfire0.000146annual probability at a locationchance a given location in the county burns in a year: 0.0146%PossibleStorm Events records in 1 of 30 years, 1996 to 2025 (3.33%)not shownmodeledsee B1-f
Winter Weather6.05event-days per yearabout 6.05 days per yearLikelyStorm Events event-days in 24 of 30 years, 1996 to 2025 (80%)1152005-11-12 to 2024-11-12 (19 years)countywide

FEMA annualized frequency (modeled) is the National Risk Index v1.20 (December 2025) estimate of how often a hazard affects this county in a year; it is not recorded events divided by years, and its unit differs by hazard (events, event-days, or days with a lightning strike per year). For earthquake, wildfire, coastal flooding and tsunami the value is the chance (or number of events) at a location in the county, not across the county, so no "1 in N years" is given and the descriptor comes from Storm Events where it has a record (none for earthquake). The Methods page gives each hazard's method, from FEMA's National Risk Index Technical Documentation v1.20.

Where NRI gives event-days, the descriptor comes from the share of years with a Storm Events record; NRI's source records more events, so the two differ.

Descriptor scale used in this packet (defined per unit)

Sources: 5, 6

UnitDescriptorDefinition
events per yearHighly likely1 or more per year
events per yearLikelyabout once in 1 to 10 years
events per yearPossibleabout once in 10 to 100 years
events per yearUnlikelyless than once in 100 years
annual probabilityLikely10% to under 100% chance in a given year
annual probabilityPossible1% to under 10% chance in a given year
annual probabilityUnlikelyunder 1% chance in a given year
event-days (share of years)Highly likelyevent-days recorded in 90% or more of years
event-days (share of years)Likelyevent-days recorded in 10% to under 90% of years
event-days (share of years)Possibleevent-days recorded in some years but under 10% of years
lightning strike-daysHighly likelycloud-to-ground strikes on 1 or more days per year

Intensity bands: historical frequency (Storm Events)

Source: 6

HazardBandYearsEventscounty-coded recordsYears in periodEvents per yearevents / years
Hail1.00-1.99 in1996 to 202546301.53
Hail2.00 in+1996 to 20254300.133
Thunderstorm Wind (counted as NRI Strong Wind)50-64 kt1996 to 202585302.83
Thunderstorm Wind (counted as NRI Strong Wind)65 kt+1996 to 20255300.167
Thunderstorm Wind (counted as NRI Strong Wind)unmeasured or below 50 kt1996 to 202535301.17
TornadoEF0-11996 to 202510300.333
TornadoEF2-31996 to 20255300.167
TornadoEF4-51996 to 20250300
Tornadounrated (EFU)1996 to 20250300

The bands show how often events of each severity were recorded in this county, to profile how severe events have been (FEMA's probability item asks for the range of intensities).

Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.

Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions (https://resilience.climate.gov/).

Supports FEMA checklist item B1-f: hazards that vary across jurisdictions

Range of census tract risk within the county

Source: 5

HazardTractsrated of allNRI risk score, 0 to 100Tracts by rating
MinMedianMax
Cold Wave13 of 1369.392.096.0Very High 1, Relatively High 11, Relatively Moderate 1
Drought13 of 1377.390.593.2Relatively Moderate 3, Relatively Low 9, Very Low 1
Earthquake13 of 1384.190.698.3Very High 1, Relatively High 8, Relatively Moderate 4
Hail13 of 1337.158.165.5Relatively Low 12, Very Low 1
Heat Wave13 of 1370.393.195.6Relatively High 10, Relatively Moderate 3
Hurricane13 of 1340.744.848.6Very Low 13
Ice Storm13 of 1386.195.997.4Relatively High 12, Relatively Moderate 1
Inland Flooding13 of 136.249.173.1Relatively Moderate 7, Relatively Low 4, Very Low 2
Landslide13 of 1336.680.795.8Relatively Moderate 1, Relatively Low 5, Very Low 7
Lightning13 of 1358.692.096.7Very High 1, Relatively High 9, Relatively Moderate 3
Strong Wind13 of 1336.168.277.2Relatively Moderate 9, Relatively Low 4
Tornado13 of 1375.798.099.4Very High 9, Relatively High 4
Wildfire13 of 1338.064.677.5Relatively Low 4, Very Low 9
Winter Weather13 of 1324.642.149.7Relatively Moderate 1, Relatively Low 12

Drought: Agriculture is all of NRI's expected annual loss for this hazard in the county, so the tract range mostly reflects where crop and livestock value is.

Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.

The score ranks a tract against all U.S. tracts (100 = highest). The rating is FEMA's category for the tract's risk value, computed differently, so the two can disagree.

Frequency data for cold wave, drought, hail, heat wave, ice storm, lightning, strong wind and winter weather are county-wide or coarse (49 km grid or NWS zone), the same for every jurisdiction; the tract range mostly reflects where buildings and people are (crop and livestock value where a line above names agriculture).

Each jurisdiction (starting figures from federal data)

Sources: 1, 3, 4, 6

JurisdictionTypePlan statusRepetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definitionPublic Assistance to this jurisdictionFEMA records matched by applicant name; federal share obligated, nominal dollarsEvent records naming this placeall years; since its planNotes
Tipton County (unincorporated area)UnincorporatedApproved, expires 2027-01-05FMA RL 1, SRL 0; any 6$7,742,347.280 total; 0 since its planIncludes $31,880.93 for declarations not counted as hazard incidents (DR-4514-TN).
Atoka townTownApproved, expires 2027-01-05FMA RL 0, SRL 0; any 1$394,571.7836 total; 3 since its planIncludes $7,502.74 for declarations not counted as hazard incidents (DR-4514-TN).
Brighton townTownApproved, expires 2027-01-05FMA RL 0, SRL 0; any 0$212,503.4522 total; 4 since its plan
Burlison townTownApproved, expires 2027-01-05FMA RL 0, SRL 0; any 0$5,40012 total; 1 since its plan
Covington cityCityApproved, expires 2027-01-05FMA RL 0, SRL 1; any 1$1,733,213.1676 total; 6 since its planIncludes $32,928.52 for declarations not counted as hazard incidents (DR-4514-TN, EM-3217-TN).
Garland townTownApproved, expires 2027-01-05FMA RL 0, SRL 0; any 0no Public Assistance recorded6 total; 1 since its plan
Gilt Edge cityCityApproved, expires 2027-01-05FMA RL 0, SRL 0; any 0$4,435.6712 total; 5 since its planIncludes $4,435.67 for declarations not counted as hazard incidents (DR-4514-TN).
Mason townTownApproved, expires 2027-01-05FMA RL 0, SRL 0; any 0$346,185.0220 total; 2 since its plan
Munford cityCityApproved, expires 2027-01-05FMA RL 0, SRL 5; any 6$114,656.3734 total; 2 since its planIncludes $4,595.90 for declarations not counted as hazard incidents (DR-4514-TN).

Repetitive-loss counts are for whole NFIP communities, which can extend beyond this county (see the note in B2-c).

School districts and special districts get a plan clock row only.

County Public Assistance in B1-d also includes applicants filed under the county that are not jurisdictions in this plan (for example state agencies, special districts and nonprofits), so the jurisdiction rows add up to less.

Supports FEMA checklist items B2-a and B2-b: vulnerability and potential impacts

Local data needed

The table below gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.

  • Critical facilities and lifelines per hazard
  • A problem statement per jurisdiction per hazard
  • Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
  • Future assets

County-level starter: exposure, expected annual loss and damage since the plan

Sources: 1, 2, 3, 5, 6, 7

HazardBuilding exposuremodeled dollarsAgriculture exposuremodeled dollarsPopulation exposedpeopleEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL as % of exposurebuildings; agriculture where notedStorm Events damage since 2022-01-06county-coded records, property plus crops, nominal dollarsZone-level damage since planproperty plus crops, reported for the zonePublic Assistance since plannominal dollars; see noteNote
Cold Wave$10,040,255,377$99,700,52260,942$13,323$2,278$3,618,6740.000133%$0
Droughtn/a$81,303,317n/an/a$186,349n/a0.229% (agriculture)$0NRI has no building exposure for this hazard; agriculture shown
Earthquake$16,925,192,037n/a60,970$7,185,076n/a$6,194,3890.0425%
Hail$10,040,259,924$99,700,52260,942$5,514$170$105,793under 0.0001%$0
Heat Wave$10,040,255,377$99,700,52260,942$105$516$2,422,129under 0.0001%$0
Hurricane$10,017,922,370$97,092,37860,775$17,598$22,094$7180.000176%
Ice Storm$10,040,255,377n/a60,942$301,610n/a$489,2780.003%$0
Inland Flooding$10,038,361,628$31,346,6531,005$5,450,104$2,278$280,452n/a (see note)$5,105,000$1,951,485.34NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b.
Landslide$150,541,176n/a1,077$4,709n/a$3410.00313%
Lightning$10,040,259,924n/a60,942$15,522n/a$501,7110.000155%
Strong Wind$10,040,259,924$99,700,52260,942$115,210$1,002$216,8560.00115%$263,250$0$41,073,774.85
Tornado$10,040,259,924$99,700,52260,942$1,255,109$4,884$5,833,7940.0125%$80,280,000$40,975,601.31
Wildfire$1,333,538,640$9,253,05710,746$10,115$10$2,3210.000759%
Winter Weather$10,040,255,377$99,700,52260,942$13,113$2$4,8150.000131%$0$591,310.57

Totals since 2022-01-06 (Storm Events through 2026-06-30): 60 county-coded records, 60 with a damage value recorded (including $0), $85,648,250; 97 zone-level records, 97 with a damage value recorded (including $0), $0 reported for the zone; Public Assistance: $41,665,085.42 on 9 counted declarations, 7 of them with Public Assistance.

FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column does not add up to the total; the unit total counts each declaration once.

NRI computes earthquake exposure on its own basis, so it exceeds the county building value in B2-a.

Supports FEMA checklist item B2-a: vulnerability (county context)

County context

Source: 5

MeasureValue
Population60,942
Building value (total, not at risk)$10,040,259,924
Agriculture value (total, not at risk)$99,700,522
NRI risk rating (all hazards)Relatively Moderate
Expected annual loss, buildings and agriculture, all hazards$14,606,690
Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage)$19,671,273
Social vulnerability ratingRelatively High
Community resilience ratingRelatively Moderate
NRI versionDecember 2025

FEMA's all-hazard expected annual loss adds buildings, agriculture and population equivalence; this table gives the property part and the population-equivalence part as separate rows.

Social vulnerability: higher means people are more likely to be harmed and slower to recover. Community resilience: lower means the community is less able to recover. High social vulnerability and low resilience both raise the NRI risk rating.

Supports FEMA checklist item B2-c: repetitive loss properties

Repetitive loss in this county, both definitions

Sources: 1, 4

DefinitionPropertiesSevere repetitive lossProperties
Repetitive loss, FMA definition (44 CFR 77.2)1Severe repetitive loss, FMA definition (44 CFR 77.2)6
Repetitive loss, NFIP insurance definition14Severe repetitive loss, NFIP insurance definition6

The state NFIP coordinator's list, the source FEMA's Handbook names, often uses the NFIP insurance definition (second row).

Repeat-flood properties: county total and NFIP communities

Sources: 1, 4

ScopeRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
County total161461406
of which: Covington city0111101
of which: Tipton County (unincorporated area)1060602
of which: Atoka town0010101
of which: Munford city0565602

Repeat-flood properties by jurisdiction in the plan (NFIP community)

Sources: 1, 4

JurisdictionNFIP community IDRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
Tipton County (unincorporated area)4703401060602
Atoka town4704190010101
Brighton town4701880000000
Burlison town4703730000000
Covington city4701890111101
Garland town4702640000000
Gilt Edge city4701900000000
Mason town4701910000000
Munford city4704220565602

Counts by occupancy group for each jurisdiction are in the Excel file, sheet "B2-c Jurisdictions".

Jurisdiction rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each jurisdiction row, while the county table counts only its part in this county.

County repeat-flood properties by occupancy group

Sources: 1, 4

Occupancy groupRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
single-family residential1070703
2 to 4 unit residential0000000
other residential0000000
non-residential0676703
not reported0000000

FEMA's occupancy groups have no institutional class; institutional properties are counted in non-residential or other residential in the table by occupancy group.

FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites. NFIP repetitive loss (the FEMA insurance definition) is 2 or more claims over $1,000 in 10 years, and a property can leave that group once it is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured. The Methods page gives the OpenFEMA field details.

Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (FEMA's data date 2026-08-02; file version 2026-08-04). No property is identified. County assignment is FEMA's geocode.

In this county 0 properties are FMA repetitive loss but not NFIP repetitive loss, and 13 properties are NFIP repetitive loss but not FMA repetitive loss.

Exact counts; no count suppression.

Sources

Tables cite these sources by number. The full list, for the plan's bibliography (FEMA review item A4-a):

  1. FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-29T134039Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
  2. FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-29T162832Z, pulled 2026-09-30, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
  3. FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-29T150754Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
  4. FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
  5. FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-30, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
  6. NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-30, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
  7. NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-30, https://www.weather.gov/gis/ZoneCounty
  8. U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-30, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx (used to match place names and codes; no table prints its values)

What this packet is and what the plan adds

This packet is the federal data for the plan's risk assessment (the summary on page 1 says how it is organized); the plan and FEMA's review decide whether each item is met.

The plan adds what only the community has: local data on assets, critical facilities, development and each jurisdiction's impacts; local hazard history, including state-declared emergencies; the mitigation strategy; and adoption.

How the federal data are built: National Risk Index values are FEMA's model, not counts of events. Storm Events is more complete from 1996; zone-level records are placed by forecast zone, not by location in the county. Public Assistance for a jurisdiction is matched by applicant name. The Methods page gives every rule and the known edge cases.

OpenFEMA disclaimer

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).

Reuse, citation and corrections

Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.

Cite this: Hazard Plain (2026). Tipton County, TN: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-30; County FIPS 47167). Automated baseline. https://hazardplain.org/tn/47167/ Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.

Corrections: to report an error, name the packet, the table and what your records show. Contact: [email protected]