Natural Disaster Risk in Scotts Hill
Tennessee
Risk Summary for Scotts Hill
Scotts Hill scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Earthquake.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Scotts Hill, Tennessee
Located in the interior eastern United States in Decatur County, Scotts Hill is a small community of about 1,815. 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 Scotts Hill a community where hazard awareness has real practical value.
FEMA rates Scotts Hill's composite natural disaster risk at 5.0 out of 10 β moderate risk. Seismic activity is the dominant hazard, with the community situated in or near an active tectonic zone capable of producing damaging ground shaking. Residents should also account for cold wave and tornado risk in their preparedness planning.
Relative to other U.S. communities, Scotts Hill's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.8/10 state average. The hazard distribution here is led by earthquake and cold wave, as measured by FEMA across Decatur County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Scotts Hill 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 earthquake is recommended.
What this means for Scotts Hill: Earthquake preparedness
- 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.
- Standard homeowners insurance excludes earthquake damage β a separate earthquake policy or endorsement is needed.
Local Factors for Scotts Hill
These city-level factors differentiate Scotts Hill from other communities in Decatur County and provide geographic context for its hazard exposure.
Population
1,815
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.5Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower β moist climate limits wildfire frequency
Fire score: 2.4/10
Coordinates
35.5119Β° N, 88.2347Β° W
Decatur 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 Scotts Hill
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Scotts Hill
Other cities in Tennessee
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.