Natural Disaster Risk — ZIP Code 38365
Pickwick Dam, Tennessee
Risk Summary for ZIP 38365
ZIP 38365 scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Landslide.
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 38365, Tennessee
Located in the interior eastern United States, ZIP 38365 serves the Pickwick Dam 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 38365's overall natural disaster risk is rated 6.2/10 (High) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include wind and cold wave.
Relative to other U.S. communities, ZIP 38365's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.8/10 state average. The hazard distribution here is led by landslide and wind, as measured by FEMA across Tennessee. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 38365'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 38365: Landslide preparedness
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
Risk for the surrounding area
Local Factors for ZIP 38365
These city-level factors differentiate ZIP 38365 from other communities in Tennessee County and provide geographic context for its hazard exposure.
Population
42
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.8/10
Coordinates
35.0538° N, 88.2363° 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 38365
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.