Natural Disaster Risk in Winchester
Tennessee
Risk Summary for Winchester
Winchester scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
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: Winchester, Tennessee
Located in the interior eastern United States in Franklin County, Winchester is a city of approximately 15,755 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 Winchester a community where hazard awareness has real practical value.
FEMA rates Winchester's composite natural disaster risk at 5.9 out of 10 β moderate risk. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. Residents should also account for earthquake and tornado risk in their preparedness planning.
Relative to other U.S. communities, Winchester's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.8/10 state average. The hazard distribution here is led by cold wave and earthquake, as measured by FEMA across Franklin County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Winchester 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 cold wave is recommended.
What this means for Winchester: Cold Wave preparedness
- Keep emergency heat and supplies ready in case of cold-related power outages.
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
Local Factors for Winchester
These city-level factors differentiate Winchester from other communities in Franklin County and provide geographic context for its hazard exposure.
Population
15,755
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.2Β°
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: 2.8/10
Coordinates
35.1818Β° N, 86.1381Β° W
Franklin 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 Winchester
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Winchester
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.