Natural Disaster Risk in Hilham
Tennessee
5.3out of 10
Risk Summary for Hilham
Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.
Top Hazards
Lightning Winter Weather Earthquake
All 18 Hazard Scores
Lightning 9.2
Winter Weather 6.2
Earthquake 6.0
Hurricane 6.0
Cold Wave 5.8
Landslide 5.4
Tsunami 5.4
Tornado 5.2
Strong Wind 5.1
Volcanic Activity 5.1
Ice Storm 5.0
Drought 4.9
Coastal Flooding 4.9
Hail 4.8
Avalanche 4.5
Wildfire 3.7
Extreme Heat 2.8
Riverine Flooding 1.0
How it compares
Hilham 5.3
Tennessee avg. 5.8
US national avg. 4.5
Live Conditions
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🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
ZIP Codes in Hilham
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.