Natural Disaster Risk in Oakfield
Tennessee
Risk Summary for Oakfield
Oakfield scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Oakfield, Tennessee
Oakfield is a small community of about 1,011 in Madison 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 Oakfield.
FEMA rates Oakfield's composite natural disaster risk at 7.1 out of 10 — high 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 tornado and cold wave risk in their preparedness planning.
Oakfield's risk score, slightly 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 Madison County, the highest-scoring are earthquake, tornado, and cold wave. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, Oakfield residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake 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 Oakfield: Earthquake preparedness
- Standard homeowners insurance excludes earthquake damage — 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 Oakfield
These city-level factors differentiate Oakfield from other communities in Madison County and provide geographic context for its hazard exposure.
Population
1,011
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 5.0/10
Coordinates
35.7270° N, 88.7851° W
Madison 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 Oakfield
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Oakfield
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.