Natural Disaster Risk — ZIP Code 38231
Henry, Tennessee
Risk Summary for ZIP 38231
ZIP 38231 scores 6.8/10 (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 38231, Tennessee
ZIP 38231 in Henry 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 38231 carries an overall risk score of 6.8/10, 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 ice storm.
Within Tennessee, ZIP 38231's risk is, slightly 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 ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
ZIP 38231'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 38231: 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 38231
These city-level factors differentiate ZIP 38231 from other communities in Tennessee County and provide geographic context for its hazard exposure.
Population
1,929
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.3/10
Coordinates
36.2128° N, 88.4244° 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 38231
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.