🌍 ClimateRiskCheck

Natural Disaster Risk in Tullahoma

Tennessee

6.1out of 10
High Risk

Risk Summary for Tullahoma

Tullahoma scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.

Top Hazards

Earthquake Tornado Cold Wave

All 18 Hazard Scores

Earthquake
8.9
Tornado
8.8
Cold Wave
8.2
Winter Weather
8.0
Strong Wind
7.3
Drought
7.3
Hurricane
6.8
Ice Storm
6.6
Hail
6.3
Lightning
5.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Extreme Heat
4.5
Avalanche
4.5
Landslide
3.3
Wildfire
2.3
Riverine Flooding
1.0

How it compares

Tullahoma
6.1
Tennessee avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Tullahoma, Tennessee

Tullahoma, in Coffee County, is a city of approximately 27,939 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 Tullahoma residents and property owners must navigate.

Tullahoma's overall natural disaster risk is rated 6.1/10 (High) by FEMA's National Risk Index. The area's position within a seismically active region makes earthquake preparedness a top priority for residents and property owners alike. Secondary hazards include tornado and cold wave.

Within Tennessee, Tullahoma'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 Coffee County identifies earthquake as the foremost hazard, followed by tornado and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Tullahoma residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Tullahoma: Earthquake preparedness

  • 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.
  • Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.

Local Factors for Tullahoma

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

Population

27,939

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 35.4Β°

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: 2.3/10

Coordinates

35.3514Β° N, 86.1975Β° W

Coffee 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 Tullahoma

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Tullahoma

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.