🌍 ClimateRiskCheck

Natural Disaster Risk in Moss

Tennessee

4.5out of 10
Moderate Risk

Risk Summary for Moss

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

Top Hazards

Landslide Hurricane Tsunami

All 18 Hazard Scores

Landslide
6.6
Hurricane
5.7
Tsunami
5.4
Hail
5.3
Earthquake
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Tornado
4.6
Strong Wind
4.5
Winter Weather
4.5
Avalanche
4.5
Cold Wave
4.3
Ice Storm
4.3
Drought
3.6
Lightning
3.0
Extreme Heat
2.8
Wildfire
1.6
Riverine Flooding
1.0

How it compares

Moss
4.5
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: Moss, Tennessee

Moss, in Clay County, is a small community of about 865 situated in the interior eastern United States. Its humid subtropical climate brings hot summers, mild winters, and transitional weather patterns, and in particular tornado risk in both spring and fall. These conditions collectively define the natural hazard environment that Moss residents and property owners must navigate.

Moss's overall natural disaster risk is rated 4.5/10 (Moderate) by FEMA's National Risk Index. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Secondary hazards include hurricane and tsunami.

Within Tennessee, Moss's risk is, slightly below the 5.8/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Clay County identifies landslide as the foremost hazard, followed by hurricane and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Moss 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 landslide is recommended.

What this means for Moss: Landslide preparedness

  • 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.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.

Local Factors for Moss

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

Population

865

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.6Β°

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: 1.6/10

Coordinates

36.5585Β° N, 85.6351Β° W

Clay 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 Moss

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Moss

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.