Guest, Sign inJoin

Post to Chilhowee

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
Chilhowee Water TowersPhoto: 25or6to4 · CC BY-SA 4.0
–Not graded
Natural hazards in Chilhowee · FEMA

Storms, floods and disasters in Chilhowee

Chilhowee isn’t graded for hazard risk: Chilhowee has 232 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
4
of 17 declared for Johnson County
By hazard

What Chilhowee 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

81%of expected building damage
Above average · higher than 65% of U.S. census tracts
Recorded about 4 times a year in the area

Tornadoes

10%of expected building damage
Above average · higher than 77% of U.S. census tracts
Recorded about once every 7 years in the area
Smaller shares here
 Hail Earthquakes Winter storms top 3% Ice storms Strong wind Wildfire Lightning Hurricanes Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 21% of Chilhowee’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.
Flood insurance claims

Does Chilhowee flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Chilhowee. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Johnson County.
Disasters

4 federal disasters brought FEMA money to Chilhowee

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

  1. 2011Severe Winter Storm and Snowstorm$1K to the Town of Chilhowee for repairs
  2. 2008Severe Storms and Flooding2 households applied for aid$14K aid approved
  3. 2006Severe Storms, Tornadoes and Flooding5 households applied for aid$4K aid approved
  4. 2002Severe Winter Ice Storm$2K to the Town of Chilhowee for repairs
Disasters declared, by decade
Paid out in ChilhoweeJohnson County only

Johnson County has had 17 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 Chilhowee after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Chilhowee archive →
Be ready

Get ready for what Chilhowee 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 ↗
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 ↗
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 Chilhowee

Is Chilhowee 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 Johnson County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Chilhowee?

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

By FEMA money that reached Chilhowee, Severe Storms and Flooding (2008): 2 households applied for aid, $14K approved.

Storm stories

Memories, warnings and help from neighbors in Chilhowee.

Town Square →
Start the conversation

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