Natural Disaster Risk in Monroe

Natural Hazard Profile: Monroe, Tennessee

Located in the interior eastern United States in Overton County, Monroe is a small community of about 2,097. The humid subtropical climate that characterizes this part of Tennessee — marked by hot summers, mild winters, and transitional weather patterns — directly influences the types and severity of natural hazards present, making Monroe a community where hazard awareness has real practical value.

FEMA rates Monroe's composite natural disaster risk at 5.3 out of 10 — moderate risk. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. Residents should also account for winter and earthquake risk in their preparedness planning.

Relative to other U.S. communities, Monroe's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.8/10 state average. The hazard distribution here is led by lightning and winter, as measured by FEMA across Overton County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

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