🌍 ClimateRiskCheck

Natural Disaster Risk in Knoxville

Tennessee

7.6out of 10
High Risk

Risk Summary for Knoxville

Knoxville scores 7.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Earthquake Landslide

All 18 Hazard Scores

Lightning
9.8
Earthquake
9.7
Tornado
9.7
Landslide
9.7
Winter Weather
9.6
Ice Storm
9.4
Cold Wave
9.3
Strong Wind
9.1
Hurricane
7.7
Extreme Heat
7.6
Wildfire
6.8
Hail
6.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
4.7
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Knoxville
7.6
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: Knoxville, Tennessee

Knoxville is a city of approximately 45,971 residents in Knox 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 Knoxville.

FEMA rates Knoxville's composite natural disaster risk at 7.6 out of 10 β€” high risk. High lightning activity is the primary natural hazard concern, driven by frequent severe thunderstorm development that produces dense ground strike patterns across the area. Residents should also account for earthquake and landslide risk in their preparedness planning.

Knoxville's risk score, considerably 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 Knox County, the highest-scoring are lightning, earthquake, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Knoxville'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 Knoxville: Lightning preparedness

  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.

Local Factors for Knoxville

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

Population

45,971

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.8/10

Coordinates

36.0599Β° N, 83.9108Β° W

Knox 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 Knoxville

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Knoxville

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.