Natural Disaster Risk in Carter County
Tennessee
Risk Summary for Carter County
Carter County scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Carter County, Tennessee
Carter County, in the United States in Tennessee, is characterized by its humid subtropical climate — hot summers, mild winters, and transitional weather patterns. The county faces tornado risk in both spring and fall, and its FEMA risk assessment establishes the hazard baseline shared by all the towns and cities it contains.
According to FEMA's National Risk Index, Carter County carries an overall risk score of 5.8/10, placing it in the moderate category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to wind and lightning.
Within Tennessee, Carter County's risk is, near the 5.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Carter County identifies landslide as the foremost hazard, followed by wind and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Carter County residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for landslide is recommended.
What this means for Carter County: Landslide preparedness
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
Cities in Carter County
ZIP codes in Carter County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.