Storm risk in Rutherford County, Tennessee

FEMA's overall hazard score for Rutherford County is 91.73 (Relatively Moderate), 261st of 3,144 counties. Hail scores 59.45 (Relatively Low), strong wind 84.80 (Relatively High) and tornado 94.97 (Relatively High). Expected hail loss is $5.61 per $1 million of buildings a year; NOAA logged 48 hail reports in Rutherford County from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

Rutherford County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of TN$0.1$1$10$100$1,000Hail: $5.61 per $1 million, 2,374th of 3,126 rated counties$5.61Hail2,374th of 3,126 countiesStrong wind: $5.54 per $1 million, 2,555th of 3,121 rated counties$5.54Strong wind2,555th of 3,121 countiesTornado: $205 per $1 million, 1,535th of 3,144 rated counties$205Tornado1,535th of 3,144 counties
  • Rutherford County, coloured by its FEMA rating
  • all U.S. counties
  • each county in the state
  • U.S. median
  • state median

Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.

How FEMA rates Rutherford County

HazardRatingScore (0 to 100)Rank in U.S.Rank in TN
OverallRelatively Moderate 91.73261 of 3,1446 of 95
HailRelatively Low 59.451,276 of 3,12613 of 95
Strong windRelatively High 84.80479 of 3,12614 of 95
TornadoRelatively High 94.97159 of 3,1267 of 95

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$404,816$5.61 $12$22 2,374 of 3,12666 of 95
Strong wind$400,104$5.54 $34$20 2,555 of 3,12191 of 95
Tornado$14,812,186$205 $403$199 1,535 of 3,14476 of 95

Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.

What stands out in Rutherford County

  • FEMA expects hail in Rutherford County to cost $5.61 per $1 million of buildings a year: 0.25 times the U.S. median and 0.45 times the TN county median, ranked 2,374th of 3,126 counties nationally and 66th of 95 in Tennessee.
  • FEMA expects strong wind in Rutherford County to cost $5.54 per $1 million of buildings a year: 0.27 times the U.S. median and 0.16 times the TN county median, ranked 2,555th of 3,121 counties nationally and 91st of 95 in Tennessee.
  • FEMA expects tornado in Rutherford County to cost $205 per $1 million of buildings a year: 1.03 times the U.S. median and 0.51 times the TN county median, ranked 1,535th of 3,144 counties nationally and 76th of 95 in Tennessee.
  • Applying FEMA's estimate to a $346,400 home, the average yearly loss in Rutherford County is about $1.94 for hail and $1.92 for wind before any deductible; at the U.S. median county rates it would be $7.74 and $7.06.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Rutherford County meets about 33.3 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 2000, the median home in Rutherford County is 26 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and is inside the rated life of an architectural one (25 to 30 years); 50.7% of its 135,336 homes are at least 26 years old.
  • March to June holds 32 of the 48 hail reports in Rutherford County (67 percent); the quietest month is September, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies Rutherford County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.

$1.94hail, a year; $7.74 at the U.S. median county rate
$1.92strong wind, a year; $7.06 at the U.S. median county rate
$77hail and wind together over 20 years, at today’s rate

Formula: home value × Rutherford County yearly loss ÷ building value. Hail: $404,816 ÷ $72,219,281,437 = 0.0000056. Wind: $400,104 ÷ $72,219,281,437 = 0.0000055. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.

Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.

Rutherford County in plain numbers

  • Rutherford County scores 91.73 in FEMA's overall hazard index (Relatively Moderate): 261st of 3,144 rated counties and 6th of 95 in Tennessee.
  • Hail scores 59.45 (Relatively Low). FEMA expects $404,816 of hail damage to buildings in Rutherford County a year, which is $5.61 per $1 million of buildings, 0.25 times the U.S. median.
  • Strong wind scores 84.80 (Relatively High) with $400,104 of expected yearly building loss in Rutherford County: $5.54 per $1 million of buildings, 0.27 times the U.S. median.
  • Tornado scores 94.97 (Relatively High) and FEMA's expected yearly tornado loss is $14,812,186, counting everything exposed, or $205 per $1 million of buildings in Rutherford County.
  • FEMA's own event record for Rutherford County averages 3.59 hail events and 6.15 strong-wind events a year.
  • NOAA logged 48 hail reports in Rutherford County between 2014 and June 2026, on 20 days with stones of 1 inch or more; the largest was 2 inches.
  • In Rutherford County, FEMA counts buildings worth 72.22 billion dollars and 341,253 residents.
  • Social vulnerability is Very Low in Rutherford County.
  • Community resilience there is Relatively Moderate, for 341,253 residents.
  • 1 city in Rutherford County is covered on this site: Murfreesboro. 13 Census ZIP areas have more than half of their land in the county.
  • Our guide range for a 2,000 sq ft asphalt roof in Murfreesboro is $6,440 to $14,260.
  • Rutherford County ranks 155 of the 194 counties with a page here for hail loss per $1 million of buildings, 146 for wind and 107 for tornado.
  • In Rutherford County, May is the busiest month with 14 of the 48 reports (29 percent), against 0 reports in November.
  • Rutherford County's worst year was 2022, with 3 hail days at 1 inch or more and 9 reports. At the 2014 to 2025 pace that is 1.67 such days a year, one about every 7.2 months.
  • The median home in Rutherford County was built in 2000; 19.6% of its 135,336 housing units date from before 1980, 50.7% from before 2000 and 24.5% from 2010 on.
  • Census puts the median home value in Rutherford County at $346,400, and 65.0% of homes are lived in by their owners.
  • 31,293 single-family building permits were issued in Rutherford County from 2014 to 2025, about 231.2 per 1,000 homes, peaking in 2021.
  • NOAA lists 11 tornado tracks in Rutherford County since 2014; the strongest was an EF2 on April 1, 2023 near Rucker, 12.4 miles long.
  • The fastest gust in NOAA's records for Rutherford County is 90 mph on May 8, 2024 at Pleasant Hill.
  • The nearest county with a page here is Williamson County, 28 miles from the centre of Rutherford County; its hail score is 41.86.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 22 roofing contractor establishments in Rutherford County in 2023, one for every 6,152 homes.

The hail record of Rutherford County, year by year

NOAA logged 48 reports in Rutherford County; hail of 1 inch or more fell on 20 days. That is 1.7 such days a year; the median county in NOAA’s file has 1.8.

Rutherford County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more02468102014: 8 reports, 2 days at 1 inch or more, largest 1.75 inch142015: 4 reports, 1 days at 1 inch or more, largest 1 inch152016: 1 reports, 0 days at 1 inch or more, largest 0.88 inch162017: 6 reports, 3 days at 1 inch or more, largest 1.5 inch172018: 2 reports, 0 days at 1 inch or more, largest 0.75 inch182019: 0 reports, 0 days at 1 inch or more, largest 0 inch192020: 0 reports, 0 days at 1 inch or more, largest 0 inch202021: 4 reports, 2 days at 1 inch or more, largest 1.5 inch212022: 9 reports, 3 days at 1 inch or more, largest 1.5 inch222023: 3 reports, 3 days at 1 inch or more, largest 1.25 inch232024: 6 reports, 3 days at 1 inch or more, largest 2 inch242025: 5 reports, 3 days at 1 inch or more, largest 2 inch252026: 0 reports, 0 days at 1 inch or more, largest 0 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Rutherford County: NOAA hail reports by calendar month, 2014 to June 2026January: 2 reports2JanFebruary: 1 reports1FebMarch: 9 reports9MarApril: 4 reports4AprMay: 14 reports14MayJune: 5 reports5JunJuly: 5 reports5JulAugust: 1 reports1AugSeptember: 0 reports0SepOctober: 6 reports6OctNovember: 0 reports0NovDecember: 1 reports1Dec

Reports by calendar month, all years together. Peak: May, 14 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20148211.75 in–
20154101 in–
20161000.88 in–
20176301.5 in–
20182000.75 in–
20214201.5 in–
20229301.5 in–
20233301.25 in–
20246322 in–
20255322 in–

Biggest hail days in Rutherford County

DateLargest stoneReports that dayDamage reportedNear
May 6, 20242 in1none recordedChristiana
March 30, 20252 in1none recordedLa Vergne
October 6, 20141.75 in6none recordedLascassas
May 26, 20241.75 in4none recordedMurfreesboro
May 20, 20251.75 in3none recordedEagleville

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Rutherford County the big stones fell.

Reported hail locations, Rutherford County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.25 in hail1.25 in hail1.25 in hail1.25 in hail1.25 in hail1.5 in hail1.5 in hail1.5 in hail1.5 in hail1.5 in hail1.5 in hail1.5 in hail1.75 in hail1.75 in hail1.75 in hail2 in hail2 in hail Murfreesboro
  • 291 to 1.74 in
  • 51.75 to 2.74 in, golf ball to tennis ball
  • 02.75 in and up, baseball

Largest plotted stone: 2 in. Bigger dots are bigger stones.

34 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Rutherford County

Fastest gusts in Rutherford County

DateGustNear
May 8, 202490 mphPleasant Hill
May 8, 202490 mphMt Vernon
May 8, 202490 mphPleasant Hill
May 8, 202490 mphMt Vernon

Strongest tornado tracks in Rutherford County

DateScaleLengthInjured / killedNear
April 1, 2023EF212.4 mi0 / 0Rucker
November 6, 2018EF28.55 mi3 / 1Newtown
March 15, 2025EF13.31 mi0 / 0Newtown
April 1, 2023EF15.76 mi0 / 0Eagleville Arpt

11 tornado tracks in all since 2014; the strongest 4 are listed.

How old the roofs are

Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Rutherford County’s 2014 to 2025 pace of 1.67 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Rutherford County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 1.5% of homes1.5%<19401521940s: 1.5% of homes1.5%1940s1351950s: 3.4% of homes3.4%1950s1181960s: 4.1% of homes4.1%1960s1021970s: 9.1% of homes9.1%1970s851980s: 12.2% of homes12.2%1980s681990s: 19.0% of homes19%1990s522000s: 24.8% of homes24.8%2000s352010s: 20.7% of homes20.7%2010s182020+: 3.8% of homes3.8%2020+5

Bars: share of 135,336 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.

Median year built2000
Built before 198019.6%
Built before 200050.7%
Built since 201024.5%
Owner-occupied65.0%
Median home value$346,400
Single-family permits, 2014 to 202531,293
Permits per 1,000 homes231.2

Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.

Roofers and past disasters in Rutherford County

Roofing firms in Rutherford County

Roofing contractor establishments, 202322
Change since 2016+8 (+57%)
Homes per roofing firm6,152
Median across counties5,189
Employees, 2023147

Source for Rutherford County: Census County Business Patterns, NAICS 238160.

Nearby counties

The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Rutherford County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Williamson County, TN28 Relatively Moderate $5.230.93$4.670.84105
Sumner County, TN41 Relatively Moderate $457.96$152.6851
Putnam County, TN57 Relatively Low $407.05$447.9535
Montgomery County, TN69 Relatively Moderate $488.54$468.2220
Hamilton County, TN81 Relatively Moderate $112.04$7.241.3120
Madison County, TN137 Relatively Moderate $1.830.33$7.271.3154

More Tennessee counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Rutherford County

1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 13 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Murfreesboro 37127 (100%), 37128 (100%), 37129 (100%), 37130 (100%), 37132 (100%) Roofers

Storm hit your roof in Rutherford County? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in Rutherford County?

FEMA's National Risk Index gives Rutherford County an overall score of 91.73 (Relatively Moderate), 261st of 3,144. Hail scores 59.45 (Relatively Low), strong wind 84.80 (Relatively High) and tornado 94.97 (Relatively High).

In Rutherford County, how many hail reports has NOAA logged?

A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 48 for Rutherford County between 2014 and June 2026, on 20 days with hail of 1 inch or more; the largest stone was 2 inches.

What do hail and wind cost a home in Rutherford County each year, on average?

Applying FEMA's county rates to its median home value of $346,400: FEMA's estimate is about $1.94 a year for hail and $1.92 for wind, before any deductible, against $7.74 and $7.06 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.

How does Rutherford County compare with the rest of Tennessee?

Per $1 million of buildings Rutherford County loses $5.61 to hail a year, against $12 in the median county of the state. Among 95 rated counties it is 13th for hail, 14th for strong wind and 7th for tornado.

How old are the roofs in Rutherford County?

The median home was built in 2000, 26 years ago, and 50.7% of the 135,336 housing units in Rutherford County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original 3-tab roof is past its rated life and an architectural one is inside it. The Census does not record when a roof was replaced.

What does expected annual loss mean?

It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.

Does a high rating mean my roof will be damaged?

No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.

Sources for Rutherford County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Rutherford County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Rutherford County; Census County Business Patterns, roofing firms in Rutherford County. Planning-level information about Rutherford County, not an inspection and not insurance advice.

This product uses the Federal Emergency Management Agency's National Risk Index dataset but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).