Natural Disaster Risk in Surgoinsville
Tennessee
Risk Summary for Surgoinsville
Surgoinsville scores 5.7/10 (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
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: Surgoinsville, Tennessee
Surgoinsville, in Hawkins County, is a town of roughly 3,960 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 Surgoinsville residents and property owners must navigate.
Surgoinsville's overall natural disaster risk is rated 5.7/10 (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 lightning and earthquake.
Within Tennessee, Surgoinsville's risk is, near the 5.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Hawkins County identifies landslide as the foremost hazard, followed by lightning and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Surgoinsville 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 Surgoinsville: 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 β ask about specialized coverage.
Local Factors for Surgoinsville
These city-level factors differentiate Surgoinsville from other communities in Hawkins County and provide geographic context for its hazard exposure.
Population
3,960
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.5Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 5.7/10
Coordinates
36.5245Β° N, 82.8475Β° W
Hawkins 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 Surgoinsville
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Surgoinsville
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.