Photo: Brian Stansberry · CC BY 3.0Less hazard damage per building is expected in Loudon than in 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Loudon gets a B for hazard risk: lower expected damage per building than 65% of U.S. towns, #48 of 177 in Tennessee. Most of that expected damage is river and rain flooding (58%), then earthquakes (28%). Flood insurance has paid 8 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 Loudon 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 Loudon’s grade
River and rain flooding is 58% of the building damage FEMA expects in Loudon, and Loudon’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Next is earthquakes at 28% (higher than 82% of U.S. census tracts).
B #48 of 177 in Tennessee; lower expected damage per building than 65% of U.S. towns (21,298).
Loudon’s residents live in 4 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, Loudon has less expected damage per building than 73% of Tennessee towns.
In dollars, FEMA expects about $2.2M a year in losses across Loudon: $1.5M to buildings, the rest to people and crops.
Does Loudon flood? Rarely: 8 flood claims since 1998
Every paid claim on a federal flood insurance policy in Loudon, from FEMA’s records: 3.1 per 1,000 homes, fewer than 51% of the 13,809 U.S. towns with a flood insurance record.
Loudon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Loudon County.3 federal disasters brought FEMA money to Loudon
Disasters that paid out in Loudon itself (aid to households or repair grants to the City of Loudon), newest first, with that year’s flood claims.
- 2023Severe Storms, Straight-line Winds, and Tornado$20K to the City of Loudon for repairs
- 2015Severe Winter Storm and Flooding$32K to the City of Loudon for repairs
- 2011Severe Storms, Straight-line Winds, Tornadoes, and$40K to the City of Loudon for repairs
Loudon County has had 16 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 Loudon after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Loudon archive →Get ready for what Loudon 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 Loudon
Is Loudon at risk for natural disasters?
On FEMA’s National Risk Index, Loudon has lower expected damage per building than 65% of U.S. towns: B for hazard risk, #48 of 177 in Tennessee. Most of the expected damage is river and rain flooding (58%) and earthquakes (28%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Loudon flood?
Flood insurance has paid 8 claims in Loudon since 1998, $86K in all, or 3.1 per 1,000 homes, fewer than 51% of U.S. towns with a flood insurance record.
Is Loudon 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 Loudon County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Loudon?
FEMA’s Community Rating System list shows no discount for Loudon’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 Loudon?
By FEMA money that reached Loudon, Severe Storms, Straight-line Winds, Tornadoes, and (2011): $40K to the City of Loudon for repairs.
Is Loudon at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (58%), and Loudon’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Loudon.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Loudon’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.