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Murfreesboro Cities Service StationMurfreesboro Cities Service Station · Photo: Valis55 · CC BY-SA 4.0
C−Hazard risk
Natural hazards in Murfreesboro · FEMA

FEMA puts Murfreesboro’s expected hazard damage per building above that of 84% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Murfreesboro gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns. Most of that expected damage is river and rain flooding (69%). Flood insurance has paid 2 claims here since 1983.

River and rain flooding 69%Strong wind 8%Tornadoes 6%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 84%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Arkansas · higher than 84% of U.S. towns
Main hazard
River and rain flooding
69% of expected building damage
Flood claims
2
paid since 1983 · $9K
Disasters paid out here
4
of 18 declared for Pike County
By hazard

What Murfreesboro faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

69%of expected building damage
Well above average · higher than 84% of U.S. census tracts
Recorded about once a year in the area

Strong wind

8%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about 4 times a year in the area

Tornadoes

6%of expected building damage
Well above average · higher than 83% of U.S. census tracts
Recorded about once every 8 years in the area

Hail

6%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about 5 times a year in the area
Smaller shares here
 Earthquakes Hurricanes Winter storms Lightning top 4% Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Murfreesboro’s grade

River and rain flooding is 69% of the building damage FEMA expects in Murfreesboro, and Murfreesboro’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 2% of U.S. census tracts.

Where Murfreesboro sits
Murfreesboro
Least damageMiddleMost damage

C− higher expected damage per building than 84% of U.S. towns (21,298).

All of Murfreesboro’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding69%Strong wind8%Tornadoes6%Everything else17%

In dollars, FEMA expects about $911K a year in losses across Murfreesboro: $694K to buildings, the rest to people and crops.

Shared tract.All of Murfreesboro’s 1,495 residents (2020 census) live in one census tract, which it shares with Delight city (288 residents) and Antoine town (113 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Murfreesboro flood? Rarely: 2 flood claims since 1983

Every paid claim on a federal flood insurance policy in Murfreesboro, from FEMA’s records: 2.3 per 1,000 homes, fewer than 58% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1983: 1 claim1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 1 claim2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims19832009
19832026
2
paid claims since 1983
$9K
paid to owners
0
homes flooded more than once
$5K
average claim
of all homes are insured
No community discount

Murfreesboro isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Pike County.
What’s been done with FEMA grants
4storm safe rooms built
Disasters

4 federal disasters brought FEMA money to Murfreesboro

Disasters that paid out in Murfreesboro itself (aid to households or repair grants to the City of Murfreesboro), newest first, with that year’s flood claims.

  1. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$11K to the City of Murfreesboro for repairs
  2. 2011Severe Storms, Tornadoes, and Associated Flooding$20K to the City of Murfreesboro for repairs
  3. 2004Severe Storms and Flooding$9K to the City of Murfreesboro for repairs
  4. 2000Severe Winter Ice Storm$110K to the City of Murfreesboro for repairs
Disasters declared, by decade
Paid out in MurfreesboroPike County only

Pike County has had 18 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Murfreesboro after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Murfreesboro archive →
Be ready

Get ready for what Murfreesboro faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Murfreesboro

Is Murfreesboro at risk for natural disasters?

On FEMA’s National Risk Index, Murfreesboro has higher expected damage per building than 84% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (69%) and strong wind (8%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Murfreesboro flood?

Flood insurance has paid 2 claims in Murfreesboro since 1983, $9K in all, or 2.3 per 1,000 homes, fewer than 58% of U.S. towns with a flood insurance record.

Is Murfreesboro 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 Pike County, 0.4% of all homes carry federal flood insurance.

How much is flood insurance in Murfreesboro?

FEMA’s Community Rating System list shows no discount for Murfreesboro’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 Murfreesboro?

By FEMA money that reached Murfreesboro, Severe Winter Ice Storm (2000): $110K to the City of Murfreesboro for repairs.

Is Murfreesboro at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (69%), and Murfreesboro’s rate for it is higher than 84% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Murfreesboro.

Town Square →
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Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Murfreesboro’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.