Photo: Brian Stansberry · CC BY 3.0FEMA puts Mosheim’s expected hazard damage per building below that of 96% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mosheim gets an A+ for hazard risk: lower expected damage per building than 96% of U.S. towns, #3 of 177 in Tennessee. Most of that expected damage is river and rain flooding (74%), then earthquakes (17%). FEMA’s files show no paid flood insurance claims here.
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 Mosheim 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
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 Mosheim’s grade
River and rain flooding is 74% of the building damage FEMA expects in Mosheim, and Mosheim’s rate of river and rain flooding damage is lower than 84% of U.S. census tracts. Next is earthquakes at 17% (higher than 72% of U.S. census tracts).
A+ #3 of 177 in Tennessee; lower expected damage per building than 96% of U.S. towns (21,298).
Mosheim’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, Mosheim has less expected damage per building than 99% of Tennessee towns.
In dollars, FEMA expects about $410K a year in losses across Mosheim: $265K to buildings, the rest to people and crops.
Does Mosheim flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Mosheim. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Mosheim isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Greene County.3 federal disasters brought FEMA money to Mosheim
Disasters that paid out in Mosheim itself (aid to households or repair grants to the Town of Mosheim), newest first, with that year’s flood claims.
- 2024Tropical Storm Helene147 households applied for aid$310K aid approved
- 2019Severe Storms, Flooding, Landslides, and Mudslides$36K to the Town of Mosheim for repairs
- 2011Severe Storms, Tornadoes, Straight-line Winds, and Associated Flooding15 households applied for aid$6K aid approved
Greene 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 Mosheim after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mosheim archive →Mosheim and its neighbors
Mosheim 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 |
|---|---|---|---|
| Greeneville | A+less damage than 98% | river and rain flooding | 8 |
| Mosheim | A+less damage than 96% | river and rain flooding | 0 |
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 Mosheim 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.
- 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 Mosheim
Is Mosheim at risk for natural disasters?
On FEMA’s National Risk Index, Mosheim has lower expected damage per building than 96% of U.S. towns: A+ for hazard risk, #3 of 177 in Tennessee. Most of the expected damage is river and rain flooding (74%) and earthquakes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Mosheim 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 Greene County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Mosheim?
FEMA’s Community Rating System list shows no discount for Mosheim’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 Mosheim?
By FEMA money that reached Mosheim, Tropical Storm Helene (2024): 147 households applied for aid, $310K approved.
Is Mosheim at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Mosheim’s rate for it is lower than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mosheim.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mosheim’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.