Natural Disaster Risk — ZIP Code 38107
Memphis, Tennessee
Risk Summary for ZIP 38107
ZIP 38107 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 38107, Tennessee
Located in the interior eastern United States, ZIP 38107 serves the Memphis 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 38107's overall natural disaster risk is rated 7.5/10 (High) 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 earthquake and heat.
Relative to other U.S. communities, ZIP 38107'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 cold wave and earthquake, as measured by FEMA across Tennessee. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 38107'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 38107: 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 38107
These city-level factors differentiate ZIP 38107 from other communities in Tennessee County and provide geographic context for its hazard exposure.
Population
13,912
SuburbanGeographic 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
35.1705° N, 90.0240° 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 38107
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.