🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 37918

Knoxville, Tennessee

7.6out of 10
High Risk

Risk Summary for ZIP 37918

ZIP 37918 scores 7.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Earthquake Landslide

All 18 Hazard Scores

Lightning
9.8
Earthquake
9.7
Tornado
9.7
Landslide
9.7
Winter Weather
9.6
Ice Storm
9.4
Cold Wave
9.3
Strong Wind
9.1
Hurricane
7.7
Extreme Heat
7.6
Wildfire
6.8
Hail
6.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
4.7
Avalanche
4.5
Riverine Flooding
1.0

How it compares

ZIP 37918
7.6
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: ZIP 37918, Tennessee

Located in the interior eastern United States, ZIP 37918 serves the Knoxville community. The humid subtropical climate of this part of Tennessee β€” bringing hot summers, mild winters, and transitional weather patterns β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 37918's overall natural disaster risk is rated 7.6/10 (High) by FEMA's National Risk Index. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. Secondary hazards include earthquake and landslide.

Relative to other U.S. communities, ZIP 37918's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.8/10 state average. The hazard distribution here is led by lightning and earthquake, as measured by FEMA across Tennessee. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, ZIP 37918 residents benefit from taking preparedness seriously. Reviewing insurance coverage for lightning 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 ZIP 37918: Lightning preparedness

  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.

Risk for the surrounding area

Local Factors for ZIP 37918

These city-level factors differentiate ZIP 37918 from other communities in Tennessee County and provide geographic context for its hazard exposure.

Population

45,971

Suburban

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

36.0599Β° N, 83.9108Β° 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 37918

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.