🌍 ClimateRiskCheck

Natural Disaster Risk in Humboldt

Tennessee

6.9out of 10
High Risk

Risk Summary for Humboldt

Humboldt scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.

Top Hazards

Earthquake Tornado Lightning

All 18 Hazard Scores

Earthquake
9.7
Tornado
9.3
Lightning
9.2
Cold Wave
8.7
Ice Storm
8.7
Winter Weather
8.6
Extreme Heat
8.5
Strong Wind
8.1
Drought
7.7
Hurricane
7.0
Landslide
6.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
2.9
Hail
2.3
Riverine Flooding
1.0

How it compares

Humboldt
6.9
Tennessee avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 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: Humboldt, Tennessee

Humboldt is a city of approximately 15,837 residents in Gibson 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 Humboldt.

According to FEMA's National Risk Index, Humboldt carries an overall risk score of 6.9/10, placing it in the high category. Earthquake risk stands out in the local hazard profile, driven by proximity to fault systems with a history of significant ground movement. The area also faces notable exposure to tornado and lightning.

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

With a high natural disaster risk rating, Humboldt residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake 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 Humboldt: Earthquake preparedness

  • Standard homeowners insurance excludes earthquake damage β€” a separate earthquake policy or endorsement is needed.
  • Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
  • Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.

Local Factors for Humboldt

These city-level factors differentiate Humboldt from other communities in Gibson County and provide geographic context for its hazard exposure.

Population

15,837

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 35.8Β°

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: 2.9/10

Coordinates

35.8273Β° N, 88.9282Β° W

Gibson 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 Humboldt

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Humboldt

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.