🌍 ClimateRiskCheck

Natural Disaster Risk in Surgoinsville

Tennessee

5.7out of 10
Moderate Risk

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

Landslide Lightning Earthquake

All 18 Hazard Scores

Landslide
10.0
Lightning
7.9
Earthquake
7.7
Strong Wind
7.7
Winter Weather
6.6
Hurricane
5.9
Wildfire
5.7
Tornado
5.6
Tsunami
5.4
Ice Storm
5.2
Volcanic Activity
5.1
Cold Wave
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
4.2
Hail
2.8
Extreme Heat
2.4
Riverine Flooding
1.0

How it compares

Surgoinsville
5.7
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: 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 Town

Geographic 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

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ZIP Codes in Surgoinsville

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.