Natural Disaster Risk — ZIP Code 38316

Bradford, Tennessee

6.9out of 10

High Risk

Risk Summary for ZIP 38316

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

Top Hazards

Earthquake Tornado Lightning

All 18 Hazard Scores

Earthquake

9.7

Tornado

9.3

Lightning

9.2

Cold Wave

8.7

Ice Storm

8.7

Winter Weather

8.6

Extreme Heat

8.5

Strong Wind

8.1

Drought

7.7

Hurricane

7.0

Landslide

6.6

Tsunami

5.4

Volcanic Activity

5.1

Coastal Flooding

4.9

Avalanche

4.5

Wildfire

2.9

Hail

2.3

Riverine Flooding

1.0

How it compares

ZIP 38316

6.9

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.