For tornadoes, Park City’s building-damage rate is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Park City gets a B for hazard risk: lower expected damage per building than 56% of U.S. towns, #66 of 177 in Tennessee. Most of that expected damage is river and rain flooding (61%), then tornadoes (19%). 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 Park City 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
Tornadoes
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 Park City’s grade
River and rain flooding is 61% of the building damage FEMA expects in Park City, and Park City’s rate of river and rain flooding damage is lower than 57% of U.S. census tracts. Tornadoes add 19%, at a rate in the top 4% of U.S. census tracts.
B #66 of 177 in Tennessee; lower expected damage per building than 56% of U.S. towns (21,298).
Park City’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, Park City has less expected damage per building than 63% of Tennessee towns.
In dollars, FEMA expects about $962K a year in losses across Park City: $485K to buildings, the rest to people and crops.
Does Park City flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Park City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Park City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lincoln County.The storms Park City remembers
None of the 12 disasters declared for Lincoln County shows FEMA aid or repair money reaching Park City itself in FEMA’s records, so these are its biggest flood-claim years.
Lincoln County has had 12 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.
Get ready for what Park City 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.
- 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.
- 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 Park City
Is Park City at risk for natural disasters?
On FEMA’s National Risk Index, Park City has lower expected damage per building than 56% of U.S. towns: B for hazard risk, #66 of 177 in Tennessee. Most of the expected damage is river and rain flooding (61%) and tornadoes (19%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Park City 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 Lincoln County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Park City?
FEMA’s Community Rating System list shows no discount for Park City’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Park City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (61%), and Park City’s rate for it is lower than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Park City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Park City’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.