🌍 ClimateRiskCheck

Natural Disaster Risk in Cunningham

Tennessee

7.1out of 10
High Risk

Risk Summary for Cunningham

Cunningham scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.

Top Hazards

Earthquake Cold Wave Ice Storm

All 18 Hazard Scores

Earthquake
9.6
Cold Wave
9.5
Tornado
9.3
Ice Storm
9.3
Lightning
9.2
Strong Wind
8.9
Hail
8.9
Extreme Heat
8.6
Winter Weather
6.2
Hurricane
6.1
Landslide
5.9
Tsunami
5.4
Volcanic Activity
5.1
Drought
5.0
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
3.7
Riverine Flooding
1.0

How it compares

Cunningham
7.1
Tennessee avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Cunningham, Tennessee

Located in the interior eastern United States in Montgomery County, Cunningham is a small community of about 1,659. The humid subtropical climate that characterizes this part of Tennessee β€” marked by hot summers, mild winters, and transitional weather patterns β€” directly influences the types and severity of natural hazards present, making Cunningham a community where hazard awareness has real practical value.

FEMA rates Cunningham's composite natural disaster risk at 7.1 out of 10 β€” high risk. Seismic activity is the dominant hazard, with the community situated in or near an active tectonic zone capable of producing damaging ground shaking. Residents should also account for cold wave and ice storm risk in their preparedness planning.

Relative to other U.S. communities, Cunningham's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 5.8/10 state average. The hazard distribution here is led by earthquake and cold wave, as measured by FEMA across Montgomery County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Cunningham's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Cunningham: Earthquake preparedness

  • Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
  • Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
  • Standard homeowners insurance excludes earthquake damage β€” a separate earthquake policy or endorsement is needed.

Local Factors for Cunningham

These city-level factors differentiate Cunningham from other communities in Montgomery County and provide geographic context for its hazard exposure.

Population

1,659

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 3.7/10

Coordinates

36.3753Β° N, 87.4009Β° W

Montgomery County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Cunningham

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Cunningham

Other cities in Tennessee

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.