Natural Disaster Risk — ZIP Code 37387
Tracy City, Tennessee
Risk Summary for ZIP 37387
ZIP 37387 scores 5.5/10 (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
🏠 What this means for insurance
Average risk — 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: ZIP 37387, Tennessee
Located in the interior eastern United States, ZIP 37387 serves the Tracy City community. The humid subtropical climate of this part of Tennessee — bringing hot summers, mild winters, and transitional weather patterns — directly shapes the hazard exposure for properties in this postal area.
ZIP 37387's overall natural disaster risk is rated 5.5/10 (Moderate) by FEMA's National Risk Index. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. Secondary hazards include tornado and earthquake.
Relative to other U.S. communities, ZIP 37387'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 tornado, as measured by FEMA across Tennessee. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 37387's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that cold wave exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 37387: 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.
Risk for the surrounding area
Local Factors for ZIP 37387
These city-level factors differentiate ZIP 37387 from other communities in Tennessee County and provide geographic context for its hazard exposure.
Population
3,674
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.2/10
Coordinates
35.2775° N, 85.7143° 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 37387
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.