Natural Disaster Risk in Hardeman County
Tennessee
6.0out of 10
Risk Summary for Hardeman County
Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.
Top Hazards
Earthquake Tornado Landslide
All 18 Hazard Scores
Earthquake 9.4
Tornado 8.6
Landslide 8.1
Cold Wave 7.9
Extreme Heat 7.7
Hurricane 7.2
Lightning 6.1
Strong Wind 5.7
Drought 5.7
Tsunami 5.4
Volcanic Activity 5.1
Coastal Flooding 4.9
Avalanche 4.5
Ice Storm 4.5
Wildfire 4.3
Hail 3.4
Winter Weather 3.0
Riverine Flooding 1.0
How it compares
Hardeman County 6.0
Tennessee avg. 5.8
US national avg. 4.5
Live Conditions
Checking live alerts…
🏠 What this means for insurance
Above-average risk — 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.
Cities in Hardeman County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.