Storm risk in Sumner County, Tennessee

FEMA's overall hazard score for Sumner County is 87.66 (Relatively Moderate), 389th of 3,144 counties. Hail scores 86.86 (Relatively Moderate), strong wind 93.70 (Relatively High) and tornado 95.55 (Relatively High). Expected hail loss is $45 per $1 million of buildings a year; NOAA logged 51 hail reports in Sumner County from 2014 to June 2026.

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

Sumner 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: $45 per $1 million, 1,039th of 3,126 rated counties$45Hail1,039th of 3,126 countiesStrong wind: $15 per $1 million, 1,865th of 3,121 rated counties$15Strong wind1,865th of 3,121 countiesTornado: $420 per $1 million, 611th of 3,144 rated counties$420Tornado611th of 3,144 counties
  • Sumner 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 Sumner County

HazardRatingScore (0 to 100)Rank in U.S.Rank in TN
OverallRelatively Moderate 87.66389 of 3,1447 of 95
HailRelatively Moderate 86.86414 of 3,1263 of 95
Strong windRelatively High 93.70199 of 3,1264 of 95
TornadoRelatively High 95.55141 of 3,1266 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$1,711,519$45 $12$22 1,039 of 3,1268 of 95
Strong wind$569,631$15 $34$20 1,865 of 3,12170 of 95
Tornado$16,124,672$420 $403$199 611 of 3,14444 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 Sumner County

  • FEMA expects hail in Sumner County to cost $45 per $1 million of buildings a year: 2.00 times the U.S. median and 3.62 times the TN county median, ranked 1,039th of 3,126 counties nationally and 8th of 95 in Tennessee.
  • FEMA expects strong wind in Sumner County to cost $15 per $1 million of buildings a year: 0.73 times the U.S. median and 0.43 times the TN county median, ranked 1,865th of 3,121 counties nationally and 70th of 95 in Tennessee.
  • FEMA expects tornado in Sumner County to cost $420 per $1 million of buildings a year: 2.11 times the U.S. median and 1.04 times the TN county median, ranked 611th of 3,144 counties nationally and 44th of 95 in Tennessee.
  • Applying FEMA's estimate to a $364,000 home, the average yearly loss in Sumner County is about $16 for hail and $5.41 for wind before any deductible; at the U.S. median county rates it would be $8.13 and $7.42.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Sumner County meets about 25.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1994, the median home in Sumner County is 32 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 59.9% of its 81,376 homes are at least 26 years old.
  • March to June holds 36 of the 51 hail reports in Sumner County (71 percent); the quietest month is January, with 0 reports.

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

Enter a home value. The calculator applies Sumner 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.

$16hail, a year; $8.13 at the U.S. median county rate
$5.41strong wind, a year; $7.42 at the U.S. median county rate
$433hail and wind together over 20 years, at today’s rate

Formula: home value × Sumner County yearly loss ÷ building value. Hail: $1,711,519 ÷ $38,361,518,912 = 0.0000446. Wind: $569,631 ÷ $38,361,518,912 = 0.0000148. 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.

Sumner County in plain numbers

  • Sumner County scores 87.66 in FEMA's overall hazard index (Relatively Moderate): 389th of 3,144 rated counties and 7th of 95 in Tennessee.
  • Hail scores 86.86 (Relatively Moderate). FEMA expects $1,711,519 of hail damage to buildings in Sumner County a year, which is $45 per $1 million of buildings, 2.00 times the U.S. median.
  • Strong wind scores 93.70 (Relatively High) with $569,631 of expected yearly building loss in Sumner County: $15 per $1 million of buildings, 0.73 times the U.S. median.
  • Tornado scores 95.55 (Relatively High) and FEMA's expected yearly tornado loss is $16,124,672, counting everything exposed, or $420 per $1 million of buildings in Sumner County.
  • FEMA's own event record for Sumner County averages 3.31 hail events and 6.25 strong-wind events a year.
  • NOAA logged 51 hail reports in Sumner County between 2014 and June 2026, on 15 days with stones of 1 inch or more; the largest was 2 inches.
  • In Sumner County, FEMA counts buildings worth 38.36 billion dollars and 196,179 residents.
  • Social vulnerability is Very Low in Sumner County.
  • Community resilience there is Relatively Moderate, for 196,179 residents.
  • 1 city in Sumner County is covered on this site: Hendersonville. 7 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 Hendersonville is $6,090 to $13,485.
  • Sumner County ranks 71 of the 194 counties with a page here for hail loss per $1 million of buildings, 80 for wind and 36 for tornado.
  • In Sumner County, June is the busiest month with 12 of the 51 reports (24 percent), against 0 reports in December.
  • Sumner County's worst year was 2021, with 2 hail days at 1 inch or more and 6 reports. At the 2014 to 2025 pace that is 1.25 such days a year, one about every 9.6 months.
  • The median home in Sumner County was built in 1994; 30.7% of its 81,376 housing units date from before 1980, 59.9% from before 2000 and 21.6% from 2010 on.
  • Census puts the median home value in Sumner County at $364,000, and 72.2% of homes are lived in by their owners.
  • 16,329 single-family building permits were issued in Sumner County from 2014 to 2025, about 200.7 per 1,000 homes, peaking in 2021.
  • NOAA lists 9 tornado tracks in Sumner County since 2014; the strongest was an EF2 on December 9, 2023 near Rockland, 23.49 miles long.
  • The fastest gust in NOAA's records for Sumner County is 90 mph on April 5, 2025 at Rockland.
  • The nearest county with a page here is Rutherford County, 41 miles from the centre of Sumner County; its hail score is 59.45.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 24 roofing contractor establishments in Sumner County in 2023, one for every 3,391 homes.

The hail record of Sumner County, year by year

NOAA logged 51 reports in Sumner County; hail of 1 inch or more fell on 15 days. That is 1.2 such days a year; the median county in NOAA’s file has 1.8.

Sumner County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more024682014: 3 reports, 1 days at 1 inch or more, largest 1 inch142015: 5 reports, 2 days at 1 inch or more, largest 1.25 inch152016: 8 reports, 1 days at 1 inch or more, largest 1.75 inch162017: 3 reports, 1 days at 1 inch or more, largest 1 inch172018: 4 reports, 1 days at 1 inch or more, largest 1 inch182019: 3 reports, 2 days at 1 inch or more, largest 1 inch192020: 0 reports, 0 days at 1 inch or more, largest 0 inch202021: 6 reports, 2 days at 1 inch or more, largest 2 inch212022: 3 reports, 1 days at 1 inch or more, largest 1.5 inch222023: 8 reports, 1 days at 1 inch or more, largest 1 inch232024: 4 reports, 2 days at 1 inch or more, largest 1.25 inch242025: 3 reports, 1 days at 1 inch or more, largest 1.75 inch252026: 1 reports, 0 days at 1 inch or more, largest 0.88 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Sumner County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 3 reports3FebMarch: 9 reports9MarApril: 4 reports4AprMay: 11 reports11MayJune: 12 reports12JunJuly: 6 reports6JulAugust: 0 reports0AugSeptember: 2 reports2SepOctober: 2 reports2OctNovember: 2 reports2NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: June, 12 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
20143101 in–
20155201.25 in–
20168111.75 in–
20173101 in–
20184101 in–
20193201 in–
20216212 in–
20223101.5 in–
20238101 in–
20244201.25 in–
20253111.75 in–
2026 (to June)1000.88 in–

Biggest hail days in Sumner County

DateLargest stoneReports that dayDamage reportedNear
March 25, 20212 in3none recordedCherry Mound Arpt
May 10, 20161.75 in5none recordedHendersonville
April 10, 20251.75 in1none recordedPortland
July 7, 20221.5 in1none recordedHighland Academy
June 8, 20151.25 in2none recordedMitchellville

Where large hail was reported

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

Reported hail locations, Sumner 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 hail1.5 in hail1.5 in hail1.5 in hail1.75 in hail1.75 in hail2 in hail Hendersonville
  • 221 to 1.74 in
  • 31.75 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.

25 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 Sumner County

Fastest gusts in Sumner County

DateGustNear
April 5, 202590 mphRockland
April 5, 202590 mphRockland
April 5, 202590 mphRockland
April 5, 202590 mphOld Hickory

Strongest tornado tracks in Sumner County

DateScaleLengthInjured / killedNear
December 9, 2023EF223.49 mi1 / 0Rockland
December 11, 2021EF15.9 mi0 / 0Old Hickory
December 11, 2021EF06.21 mi0 / 0Graball
December 11, 2021EF01.72 mi0 / 0Hunters Pt

9 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 Sumner County’s 2014 to 2025 pace of 1.25 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Sumner 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: 2.4% of homes2.4%<19401141940s: 1.2% of homes1.2%1940s1011950s: 3.4% of homes3.4%1950s891960s: 10.1% of homes10.1%1960s761970s: 13.5% of homes13.5%1970s641980s: 12.8% of homes12.8%1980s511990s: 16.5% of homes16.5%1990s392000s: 18.4% of homes18.4%2000s262010s: 19.4% of homes19.4%2010s142020+: 2.2% of homes2.2%2020+4

Bars: share of 81,376 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 built1994
Built before 198030.7%
Built before 200059.9%
Built since 201021.6%
Owner-occupied72.2%
Median home value$364,000
Single-family permits, 2014 to 202516,329
Permits per 1,000 homes200.7

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 Sumner County

Roofing firms in Sumner County

Roofing contractor establishments, 202324
Change since 2016+12 (+100%)
Homes per roofing firm3,391
Median across counties5,189
Employees, 2023496

Source for Sumner 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 Sumner County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Rutherford County, TN41 Relatively Moderate $5.610.13$5.540.3748
Williamson County, TN46 Relatively Moderate $5.230.12$4.670.31105
Montgomery County, TN50 Relatively Moderate $481.07$463.0720
Putnam County, TN61 Relatively Low $400.89$442.9735
Hamilton County, TN111 Relatively Moderate $110.26$7.240.4920
Knox County, TN144 Relatively Moderate $1.520.03$2.280.1548

More Tennessee counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Sumner 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. 7 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Hendersonville 37075 (100%), 37076 (0%), 37160 (0%) Roofers

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Questions

How high is storm risk in Sumner County?

FEMA's National Risk Index gives Sumner County an overall score of 87.66 (Relatively Moderate), 389th of 3,144. Hail scores 86.86 (Relatively Moderate), strong wind 93.70 (Relatively High) and tornado 95.55 (Relatively High).

In Sumner 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 51 for Sumner County between 2014 and June 2026, on 15 days with hail of 1 inch or more; the largest stone was 2 inches.

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

Applying FEMA's county rates to its median home value of $364,000: FEMA's estimate is about $16 a year for hail and $5.41 for wind, before any deductible, against $8.13 and $7.42 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 Sumner County compare with the rest of Tennessee?

Per $1 million of buildings Sumner County loses $45 to hail a year, against $12 in the median county of the state. Among 95 rated counties it is 3rd for hail, 4th for strong wind and 6th for tornado.

How old are the roofs in Sumner County?

The median home was built in 1994, 32 years ago, and 59.9% of the 81,376 housing units in Sumner County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. 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 Sumner County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Sumner County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Sumner County; Census County Business Patterns, roofing firms in Sumner County. Planning-level information about Sumner 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).