Natural Disaster Risk in Rugby
Tennessee
5.2out of 10
Risk Summary for Rugby
Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.
Top Hazards
Landslide Cold Wave Wildfire
All 18 Hazard Scores
Landslide 8.6
Cold Wave 6.9
Wildfire 6.8
Winter Weather 6.4
Earthquake 6.3
Strong Wind 6.1
Hurricane 5.6
Tsunami 5.4
Volcanic Activity 5.1
Coastal Flooding 4.9
Lightning 4.8
Tornado 4.7
Avalanche 4.5
Ice Storm 4.5
Drought 3.4
Hail 2.3
Extreme Heat 1.7
Riverine Flooding 1.0
How it compares
Rugby 5.2
Tennessee avg. 5.8
US national avg. 4.5
Live Conditions
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🏠 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.
ZIP Codes in Rugby
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.