🌍 ClimateRiskCheck

Natural Disaster Risk in Monroe County

Tennessee

6.4out of 10
High Risk

Risk Summary for Monroe County

Monroe County scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Earthquake Strong Wind

All 18 Hazard Scores

Landslide
9.6
Earthquake
9.0
Strong Wind
8.2
Lightning
7.5
Hurricane
7.4
Wildfire
7.2
Tornado
6.8
Cold Wave
6.7
Ice Storm
6.2
Drought
6.1
Tsunami
5.4
Winter Weather
5.2
Volcanic Activity
5.1
Hail
4.9
Coastal Flooding
4.9
Avalanche
4.5
Extreme Heat
4.3
Riverine Flooding
1.0

How it compares

Monroe County
6.4
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: Monroe County, Tennessee

Situated in the United States, Monroe County in Tennessee experiences a humid subtropical climate marked by hot summers, mild winters, and transitional weather patterns. Tornado risk in both spring and fall is a defining feature of the regional hazard profile that affects residents and property owners countywide.

Monroe County's overall natural disaster risk is rated 6.4/10 (High) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include earthquake and wind.

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

With a high natural disaster risk rating, Monroe County residents benefit from taking preparedness seriously. Reviewing insurance coverage for landslide 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 Monroe County: Landslide preparedness

  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.

Cities in Monroe County

ZIP codes in Monroe County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.