Natural Disaster Risk — ZIP Code 38111

Memphis, Tennessee

7.5out of 10

High Risk

Risk Summary for ZIP 38111

Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.

Top Hazards

Cold Wave Earthquake Extreme Heat

All 18 Hazard Scores

Earthquake

10.0

Tornado

10.0

Extreme Heat

10.0

Cold Wave

10.0

Lightning

9.7

Landslide

9.3

Ice Storm

9.3

Winter Weather

9.0

Strong Wind

8.9

Hurricane

7.8

Wildfire

7.5

Tsunami

5.4

Volcanic Activity

5.1

Coastal Flooding

4.9

Drought

4.5

Avalanche

4.5

Hail

2.4

Riverine Flooding

1.0

How it compares

ZIP 38111

7.5

Tennessee avg.

5.8

US national avg.

4.5

Live Conditions

Checking live alerts…

🏠 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.

Other cities in Tennessee

Antioch7.3/10 Clarksville7.1/10 Murfreesboro7.0/10 Nashville7.3/10 Hendersonville7.1/10 Mount Juliet6.6/10 Franklin6.7/10 Columbia6.3/10

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.