Natural Disaster Risk in Hendersonville
Tennessee
Risk Summary for Hendersonville
Hendersonville scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.
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: Hendersonville, Tennessee
Located in the interior eastern United States in Sumner County, Hendersonville is a city of 73,522 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 Hendersonville a community where hazard awareness has real practical value.
Hendersonville's overall natural disaster risk is rated 7.1/10 (High) by FEMA's National Risk Index. 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. Secondary hazards include wind and cold wave.
Relative to other U.S. communities, Hendersonville'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 tornado and wind, as measured by FEMA across Sumner County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Hendersonville'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 Hendersonville: Tornado preparedness
- 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.
- Identify the safest interior room on the lowest floor β away from windows β as your shelter.
Local Factors for Hendersonville
These city-level factors differentiate Hendersonville from other communities in Sumner County and provide geographic context for its hazard exposure.
Population
73,522
UrbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.3Β°
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: 4.6/10
Coordinates
36.3409Β° N, 86.6085Β° W
Sumner 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 Hendersonville
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Hendersonville
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.