Storms, floods and disasters in Horatio
Horatio isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Horatio yet.
What Horatio faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Ice storms
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Horatio flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Horatio. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Horatio isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sevier County.3 federal disasters brought FEMA money to Horatio
Disasters that paid out in Horatio itself (aid to households or repair grants to the City of Horatio), newest first, with that year’s flood claims.
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding13 households applied for aid$71K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding7 households applied for aid$26K aid approved
- 2000Severe Winter Ice Storm$104K to the City of Horatio for repairs
Sevier County has had 13 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Horatio after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Horatio archive →Get ready for what Horatio faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Horatio
Is Horatio in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Sevier County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Horatio?
FEMA’s Community Rating System list shows no discount for Horatio’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Horatio?
By FEMA money that reached Horatio, Severe Winter Ice Storm (2000): $104K to the City of Horatio for repairs.
Storm stories
Memories, warnings and help from neighbors in Horatio.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Horatio’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.