🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 37887

Wartburg, Tennessee

5.2out of 10
Moderate Risk

Risk Summary for ZIP 37887

ZIP 37887 scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Cold Wave Wildfire

All 18 Hazard Scores

Landslide
8.6
Cold Wave
6.9
Wildfire
6.8
Winter Weather
6.4
Earthquake
6.3
Strong Wind
6.1
Hurricane
5.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Lightning
4.8
Tornado
4.7
Avalanche
4.5
Ice Storm
4.5
Drought
3.4
Hail
2.3
Extreme Heat
1.7
Riverine Flooding
1.0

How it compares

ZIP 37887
5.2
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: ZIP 37887, Tennessee

ZIP 37887 covers part of the Wartburg 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 37887's composite natural disaster risk at 5.2 out of 10 β€” moderate risk. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Residents should also account for cold wave and wildfire risk in their preparedness planning.

ZIP 37887's risk score, slightly below the 5.8/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are landslide, cold wave, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 37887 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 ZIP 37887: Landslide preparedness

  • 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.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.

Risk for the surrounding area

Local Factors for ZIP 37887

These city-level factors differentiate ZIP 37887 from other communities in Tennessee County and provide geographic context for its hazard exposure.

Population

6,555

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.8/10

Coordinates

36.0772Β° N, 84.6157Β° 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 37887

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.