Photo: Brian Stansberry · CC BY 3.0FEMA expects about as much hazard damage per building in Farragut as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Farragut gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns, #78 of 177 in Tennessee. Most of that expected damage is river and rain flooding (67%), then earthquakes (22%). Flood insurance has paid 14 claims here since 1998.
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
What Farragut 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
Earthquakes
Tornadoes
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.
What’s behind Farragut’s grade
River and rain flooding is 67% of the building damage FEMA expects in Farragut, and Farragut’s rate of river and rain flooding damage is higher than 54% of U.S. census tracts. Next is earthquakes at 22% (higher than 81% of U.S. census tracts).
B− #78 of 177 in Tennessee; lower expected damage per building than 52% of U.S. towns (21,298).
Farragut’s residents live in 7 census tracts; FEMA’s figures are combined by where they live.
The typical Tennessee town has higher expected damage than 53% of U.S. towns; within the state, Farragut has less expected damage per building than 56% of Tennessee towns.
In dollars, FEMA expects about $9.1M a year in losses across Farragut: $7.0M to buildings, the rest to people and crops.
Does Farragut flood? Sometimes: 14 flood claims since 1998
Every paid claim on a federal flood insurance policy in Farragut, from FEMA’s records: 1.5 per 1,000 homes, fewer than 69% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms1 claim · $8K
Farragut isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Knox County.2 federal disasters brought FEMA money to Farragut
Disasters that paid out in Farragut itself (aid to households or repair grants to the Town of Farragut), newest first, with that year’s flood claims.
- 2023Severe Storms, Straight-line Winds, and Tornado$23K to the Town of Farragut for repairs
- 2019Severe Storms, Flooding, Landslides, and Mudslides$234K to the Town of Farragut for repairs3 flood claims paid that year
Knox County has had 15 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 Farragut after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Farragut archive →Farragut and its neighbors
Farragut is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Knoxville | B+less damage than 73% | river and rain flooding | 272 |
| Farragut | B−less damage than 52% | river and rain flooding | 14 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Farragut faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Farragut
Is Farragut at risk for natural disasters?
On FEMA’s National Risk Index, Farragut has lower expected damage per building than 52% of U.S. towns: B− for hazard risk, #78 of 177 in Tennessee. Most of the expected damage is river and rain flooding (67%) and earthquakes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Farragut flood?
Flood insurance has paid 14 claims in Farragut since 1998, $162K in all, or 1.5 per 1,000 homes, fewer than 69% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Mid-spring storms (1).
Is Farragut 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 Knox County, 41% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Farragut?
FEMA’s Community Rating System list shows no discount for Farragut’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 Farragut?
By FEMA money that reached Farragut, Severe Storms, Flooding, Landslides, and Mudslides (2019): $234K to the Town of Farragut for repairs. By flood claims, Mid-spring storms: 1 paid, $8K.
Is Farragut at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Farragut’s rate for it is higher than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Farragut.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Farragut’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.