🌍 ClimateRiskCheck

Natural Disaster Risk in Lobelville

Tennessee

4.6out of 10
Moderate Risk

Risk Summary for Lobelville

Lobelville scores 4.6/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Earthquake.

Top Hazards

Earthquake Landslide Tornado

All 18 Hazard Scores

Earthquake
7.6
Landslide
7.1
Tornado
6.5
Cold Wave
6.2
Hurricane
6.1
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Strong Wind
4.3
Extreme Heat
4.0
Lightning
4.0
Drought
3.7
Ice Storm
3.6
Winter Weather
2.1
Wildfire
1.9
Hail
1.8
Riverine Flooding
1.0

How it compares

Lobelville
4.6
Tennessee avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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.

Natural Hazard Profile: Lobelville, Tennessee

Lobelville is a small community of about 2,473 in Perry 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 Lobelville.

FEMA rates Lobelville's composite natural disaster risk at 4.6 out of 10 β€” moderate risk. The area's position within a seismically active region makes earthquake preparedness a top priority for residents and property owners alike. Residents should also account for landslide and tornado risk in their preparedness planning.

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

With a moderate risk rating, Lobelville residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for earthquake is recommended.

What this means for Lobelville: 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 Lobelville

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

Population

2,473

Small Town

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: 1.9/10

Coordinates

35.7785Β° N, 87.8303Β° W

Perry 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 Lobelville

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Lobelville

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.