Natural Disaster Risk in Harrogate
Tennessee
Risk Summary for Harrogate
Harrogate scores 6.0/10 (High 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
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: Harrogate, Tennessee
Located in the interior eastern United States in Claiborne County, Harrogate is a town of roughly 6,185 residents. 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 Harrogate a community where hazard awareness has real practical value.
FEMA rates Harrogate's composite natural disaster risk at 6.0 out of 10 β high risk. 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. Residents should also account for wildfire and earthquake risk in their preparedness planning.
Relative to other U.S. communities, Harrogate's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.8/10 state average. The hazard distribution here is led by landslide and wildfire, as measured by FEMA across Claiborne County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Harrogate residents benefit from taking preparedness seriously. Reviewing insurance coverage for landslide 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 Harrogate: Landslide preparedness
- Standard insurance generally excludes landslide and earth-movement damage β ask about specialized coverage.
- 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.
Local Factors for Harrogate
These city-level factors differentiate Harrogate from other communities in Claiborne County and provide geographic context for its hazard exposure.
Population
6,185
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.6Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 8.4/10
Coordinates
36.5673Β° N, 83.5542Β° W
Claiborne 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 Harrogate
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Harrogate
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.