Natural Disaster Risk in Hilham

Natural Hazard Profile: Hilham, Tennessee

Hilham is a small community of about 2,243 in Overton County, in the interior eastern United States. The area experiences hot summers, mild winters, and transitional weather patterns, with tornado risk in both spring and fall shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Hilham.

According to FEMA's National Risk Index, Hilham carries an overall risk score of 5.3/10, placing it in the moderate category. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. The area also faces notable exposure to winter and earthquake.

Hilham's risk score, slightly below the 5.8/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Overton County, the highest-scoring are lightning, winter, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Hilham's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that lightning exposure is adequately protected is a worthwhile step for property owners.