Bowman House (Additional Documentation) · Photo: Brenthomer · CC BY-SA 4.0On FEMA’s figures, Tellico Village faces more hazard damage per building than 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Tellico Village gets a D for hazard risk: higher expected damage per building than 89% of U.S. towns, #173 of 177 in Tennessee. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 1 claim here since 2018.
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 Tellico Village 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 Tellico Village’s grade
River and rain flooding is 85% of the building damage FEMA expects in Tellico Village, and Tellico Village’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts. Next is earthquakes at 9% (higher than 81% of U.S. census tracts).
D #173 of 177 in Tennessee; higher expected damage per building than 89% of U.S. towns (21,298).
Tellico Village’s residents live in 3 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, Tellico Village has more expected damage per building than 98% of Tennessee towns.
In dollars, FEMA expects about $5.8M a year in losses across Tellico Village: $5.0M to buildings, the rest to people and crops.
Does Tellico Village flood? Rarely: 1 flood claim since 2018
Every paid claim on a federal flood insurance policy in Tellico Village, from FEMA’s records: 0.2 per 1,000 homes, fewer than 96% of the 13,809 U.S. towns with a flood insurance record.
Tellico Village 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.The storms Tellico Village remembers
None of the 16 disasters declared for Loudon County shows FEMA aid or repair money reaching Tellico Village itself in FEMA’s records, so these are its biggest flood-claim years.
- 20181 flood claims paidNo declaration for the county that year
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 Tellico Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Tellico Village archive →Get ready for what Tellico Village 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 Tellico Village
Is Tellico Village at risk for natural disasters?
On FEMA’s National Risk Index, Tellico Village has higher expected damage per building than 89% of U.S. towns: D for hazard risk, #173 of 177 in Tennessee. Most of the expected damage is river and rain flooding (85%) and earthquakes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Tellico Village flood?
Flood insurance has paid 1 claim in Tellico Village since 2018, $16K in all, or 0.2 per 1,000 homes, fewer than 96% of U.S. towns with a flood insurance record.
Is Tellico Village 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 Tellico Village?
FEMA’s Community Rating System list shows no discount for Tellico Village’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Tellico Village at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Tellico Village’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Tellico Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tellico Village’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.