Natural Disaster Risk — ZIP Code 37074
Hartsville, Tennessee
Risk Summary for ZIP 37074
ZIP 37074 scores 3.7/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Tsunami.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 37074, Tennessee
ZIP 37074 covers part of the Hartsville area, in the interior eastern United States. The surrounding region experiences hot summers, mild winters, and transitional weather patterns, with tornado risk in both spring and fall shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 37074's composite natural disaster risk at 3.7 out of 10 — low risk. The threat of tsunami inundation tops the local coastal risk profile, requiring residents in low-lying areas to maintain awareness of evacuation routes and warning systems. Residents should also account for volcano and coastal flood risk in their preparedness planning.
ZIP 37074's risk score, considerably below the 5.8/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are tsunami, volcano, and coastal flood. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Despite its lower-than-average risk classification, ZIP 37074 is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers tsunami — remains prudent for all residents.
What this means for ZIP 37074: Tsunami preparedness
- If you feel strong shaking near the coast, move to high ground immediately — do not wait for an official warning.
- Learn your community evacuation routes and the location of designated assembly areas.
- Standard homeowners insurance excludes tsunami flooding; flood coverage may be needed.
Risk for the surrounding area
Local Factors for ZIP 37074
These city-level factors differentiate ZIP 37074 from other communities in Tennessee County and provide geographic context for its hazard exposure.
Population
10,932
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.5/10
Coordinates
36.4155° N, 86.1472° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 37074
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Tennessee
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.