The Town FilesFlat Top Mountain, Tennessee
Community in Hamilton County · population 561 (2020 Census)
- Median home
- $593,100
- Household income
- $121,131
- Jan low / Jul high
- 28° / 88°
- Snow a year
- 4 in
- Tornadoes ≤10 mi since 1950
- 11
- Median age
- 25.0
Flat Top Mountain is a community of 561 people in Hamilton County, Tennessee. The median home is worth $593,100, above the typical Tennessee town ($204,650). It ranks better for first-time buyers than 98% of Tennessee towns, better for families than 93% of Tennessee towns, easier by car than 84% of Tennessee towns.
How Flat Top Mountain ranks
Percentile among Tennessee towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Tennessee towns.
Homes and cost of living
The median home in Flat Top Mountain is worth $593,100, above the typical Tennessee town ($204,650). Homes cost about 4.9 times the median household income of $121,131, which is more affordable than 13% of Tennessee towns. 97.4% of households own their home.
| Housing | Flat Top Mountain | Typical Tennessee town |
|---|---|---|
| Median home value | $593,100 | $204,650 |
| Median rent | — | $863 |
| Median household income | $121,131 | $57,917 |
| Home value ÷ income | 4.9× | 3.7× |
| Homeownership | 97.4% | 69.7% |
| Median year built | 2003 | 1980 |
| Seasonal / vacation homes | 0.0% | — |
Who lives in Flat Top Mountain
| People | Flat Top Mountain | Typical Tennessee town |
|---|---|---|
| Median age | 25.0 | 40.8 |
| Age 65 and over | 10.6% | 18.4% |
| Under 18 | 47.1% | — |
| Bachelor's degree or higher | 20.1% | 18.2% |
| Below the poverty line | 15.1% | 14.2% |
| Veterans | 2.8% | — |
| Born outside the U.S. | 0.0% | — |
| Work from home | 0.0% | 8.2% |
| Average commute | 33.4 min | 25.9 min |
| Homes with broadband | 84.7% | 88.2% |
Weather in Flat Top Mountain
July highs average 87.9°F and January lows 28.4°F. About 63.1 inches of rain and melted snow fall a year, with 4.3 inches of snow (typical Tennessee town: 3.5 in). Expect about 17 days a year at 90°F or hotter and 82 nights at or below freezing.
Tornadoes, storms and disasters
11 tornadoes have passed within 10 miles of Flat Top Mountain since 1950, compared with 16 for the typical Tennessee town. 5 rated (E)F2 or stronger. The strongest, an EF4, struck on April 27, 2011 about 8.0 miles from the town center and killed 4. Tornadoes within 10 miles have caused 4 deaths and 12 injuries since 1950. The most recent was on November 29, 2016.
Hail of 1 inch or larger has been reported within 10 miles 21 times; the largest was 1.75 inches on June 25, 2000.
Severe weather in Hamilton County since 1996
Hamilton County has been included in 25 federal disaster or emergency declarations since 1953, most often for fire, flood, tornado.
| Declared | Incident | Declaration |
|---|---|---|
| February 6, 2026 | Winter Storm | DR-4898: Severe Winter Storm |
| January 24, 2026 | Winter Storm | EM-3635: Severe Winter Storm |
| April 2, 2025 | Severe Storm | EM-3625: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding |
| June 17, 2024 | Severe Storm | DR-4792: Severe Storms, Tornadoes, And Flooding |
| May 17, 2023 | Severe Storm | DR-4712: Severe Storms, Straight-Line Winds, And Tornado |
Jobs and pay in Hamilton County
Hamilton County had 221,207 jobs in 2024, paying an average of $66,004 a year. Unemployment was 3.2% in 2023; in Flat Top Mountain itself the ACS puts it at 0%.
Towns near Flat Top Mountain
- Mowbray Mountain, TN4.1 mi · 1,705 people · home $390,400
- Soddy-Daisy, TN5.1 mi · 13,070 people · home $256,600
- Sale Creek, TN7.6 mi · 3,021 people · home $299,700
- Lakesite, TN9.5 mi · 1,856 people · home $332,200
- Middle Valley, TN9.8 mi · 11,695 people · home $319,400
- Falling Water, TN10.0 mi · 1,873 people · home $420,600
- Graysville, TN10.7 mi · 1,471 people · home $104,700
- Dunlap, TN11.0 mi · 5,357 people · home $192,100
Flat Top Mountain questions
Is Flat Top Mountain, Tennessee a good place to retire?
On The Town Files lifestyle rankings, Flat Top Mountain scores better for retirees than 74% of Tennessee towns and quieter than 57%. 10.6% of residents are 65 or older (median age 25.0).
How much does a house cost in Flat Top Mountain?
The median owner-occupied home in Flat Top Mountain is valued at $593,100 (Census ACS 2020–2024), against a median household income of $121,131, so homes cost about 4.9 times income. Median rent is — a month.
What is the weather like in Flat Top Mountain?
July highs average 87.9°F and January lows 28.4°F (NOAA 1991–2020 normals). It gets about 63.1 inches of precipitation a year and 4.3 inches of snow.
Does Flat Top Mountain get tornadoes?
11 tornadoes have passed within 10 miles of Flat Top Mountain since 1950 (NOAA Storm Events); the strongest was an EF4 on April 27, 2011. The typical Tennessee town has had 16.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)