Natural Disaster Risk in Gallaway
Tennessee
Risk Summary for Gallaway
Gallaway scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Gallaway, Tennessee
Located in the interior eastern United States in Fayette County, Gallaway is a small unincorporated community. 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 Gallaway a community where hazard awareness has real practical value.
Gallaway's overall natural disaster risk is rated 6.4/10 (High) by FEMA's National Risk Index. Earthquake risk stands out in the local hazard profile, driven by proximity to fault systems with a history of significant ground movement. Secondary hazards include tornado and heat.
Relative to other U.S. communities, Gallaway's natural disaster risk is 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 tornado, as measured by FEMA across Fayette County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Gallaway'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 Gallaway: 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 Gallaway
These city-level factors differentiate Gallaway from other communities in Fayette County and provide geographic context for its hazard exposure.
Population
207
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.3Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 6.6/10
Coordinates
35.3272Β° N, 89.6194Β° W
Fayette 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 Gallaway
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Gallaway
Other cities in Tennessee
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.