🌍 ClimateRiskCheck

Natural Disaster Risk in Elora

Tennessee

6.1out of 10
High Risk

Risk Summary for Elora

Elora scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Earthquake Strong Wind

All 18 Hazard Scores

Tornado
8.7
Earthquake
8.3
Strong Wind
8.2
Cold Wave
7.5
Drought
7.4
Hurricane
6.9
Ice Storm
6.6
Winter Weather
6.5
Lightning
6.2
Extreme Heat
5.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Landslide
4.7
Avalanche
4.5
Hail
4.3
Wildfire
2.6
Riverine Flooding
1.0

How it compares

Elora
6.1
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: Elora, Tennessee

Elora is a small community of about 1,930 in Lincoln County, in the interior eastern United States. The area experiences hot summers, mild winters, and transitional weather patterns, with tornado risk in both spring and fall shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Elora.

According to FEMA's National Risk Index, Elora carries an overall risk score of 6.1/10, placing it in the high category. Tornadoes represent the primary threat to life and property here, with the local geography placing the community squarely in a high-frequency severe weather corridor. The area also faces notable exposure to earthquake and wind.

Elora's risk score, near the 5.8/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Lincoln County, the highest-scoring are tornado, earthquake, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Elora residents benefit from taking preparedness seriously. Reviewing insurance coverage for tornado and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Elora: Tornado preparedness

  • Identify the safest interior room on the lowest floor β€” away from windows β€” as your shelter.
  • Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
  • Review whether your insurance covers wind and debris damage, and document belongings in advance.

Local Factors for Elora

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

Population

1,930

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 35.0Β°

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: 2.6/10

Coordinates

35.0282Β° N, 86.3688Β° W

Lincoln 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 Elora

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Elora

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.