Natural Disaster Risk in Oliver Springs
Tennessee
Risk Summary for Oliver Springs
Oliver Springs scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Oliver Springs, Tennessee
Oliver Springs, in Morgan County, is a city of approximately 10,004 residents 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 Oliver Springs residents and property owners must navigate.
Oliver Springs's overall natural disaster risk is rated 5.2/10 (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 cold wave and wildfire.
Within Tennessee, Oliver Springs's risk is, slightly below the 5.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Morgan County identifies landslide as the foremost hazard, followed by cold wave and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Oliver Springs 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 landslide is recommended.
What this means for Oliver Springs: 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 — ask about specialized coverage.
Local Factors for Oliver Springs
These city-level factors differentiate Oliver Springs from other communities in Morgan County and provide geographic context for its hazard exposure.
Population
10,004
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.8/10
Coordinates
36.0585° N, 84.3705° W
Morgan 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 Oliver Springs
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Oliver Springs
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.