Natural Disaster Risk in Obion County
Tennessee
Risk Summary for Obion County
Obion County scores 6.9/10 (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: Obion County, Tennessee
Obion County is located in the United States in Tennessee, home to roughly 30,777 residents. The county experiences hot summers, mild winters, and transitional weather patterns, with tornado risk in both spring and fall shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.
According to FEMA's National Risk Index, Obion County carries an overall risk score of 6.9/10, placing it in the high category. Earthquake risk stands out in the local hazard profile, driven by proximity to fault systems with a history of significant ground movement. The area also faces notable exposure to ice storm and cold wave.
Obion County'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 Obion County, the highest-scoring are earthquake, ice storm, and cold wave. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Obion County's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Obion County: 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.
Cities in Obion County
ZIP codes in Obion County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.