Natural Disaster Risk — ZIP Code 38105
Memphis, Tennessee
Risk Summary for ZIP 38105
ZIP 38105 scores 7.5/10 (High 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
Above-average risk — 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 38105, Tennessee
ZIP 38105 in Memphis sits in the interior eastern United States. Its humid subtropical climate produces hot summers, mild winters, and transitional weather patterns, and notably tornado risk in both spring and fall. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 38105 carries an overall risk score of 7.5/10, placing it in the high category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to earthquake and heat.
Within Tennessee, ZIP 38105's risk is, considerably above the 5.8/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Tennessee identifies cold wave as the foremost hazard, followed by earthquake and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
ZIP 38105's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for ZIP 38105: Cold Wave preparedness
- 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.
- Keep emergency heat and supplies ready in case of cold-related power outages.
Risk for the surrounding area
Local Factors for ZIP 38105
These city-level factors differentiate ZIP 38105 from other communities in Tennessee County and provide geographic context for its hazard exposure.
Population
5,534
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.5/10
Coordinates
35.1512° N, 90.0354° 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 38105
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.