🌍 ClimateRiskCheck

Natural Disaster Risk in Rutledge

Tennessee

5.1out of 10
Moderate Risk

Risk Summary for Rutledge

Rutledge scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Earthquake Strong Wind

All 18 Hazard Scores

Landslide
9.1
Earthquake
7.2
Wildfire
5.5
Strong Wind
5.5
Tsunami
5.4
Lightning
5.1
Volcanic Activity
5.1
Hurricane
5.0
Drought
5.0
Coastal Flooding
4.9
Tornado
4.7
Avalanche
4.5
Ice Storm
4.5
Hail
4.3
Winter Weather
4.0
Cold Wave
3.8
Extreme Heat
2.6
Riverine Flooding
1.0

How it compares

Rutledge
5.1
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: Rutledge, Tennessee

Located in the interior eastern United States in Grainger County, Rutledge is a town of roughly 8,608 residents. The humid subtropical climate that characterizes this part of Tennessee β€” marked by hot summers, mild winters, and transitional weather patterns β€” directly influences the types and severity of natural hazards present, making Rutledge a community where hazard awareness has real practical value.

FEMA rates Rutledge's composite natural disaster risk at 5.1 out of 10 β€” moderate risk. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. Residents should also account for earthquake and wind risk in their preparedness planning.

Relative to other U.S. communities, Rutledge's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.8/10 state average. The hazard distribution here is led by landslide and earthquake, as measured by FEMA across Grainger County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Rutledge 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 Rutledge: Landslide preparedness

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

Local Factors for Rutledge

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

Population

8,608

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.5/10

Coordinates

36.2452Β° N, 83.5142Β° W

Grainger 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 Rutledge

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Rutledge

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.