Natural Disaster Risk — ZIP Code 38473
Minor Hill, Tennessee
Risk Summary for ZIP 38473
ZIP 38473 scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 38473, Tennessee
Located in the interior eastern United States, ZIP 38473 serves the Minor Hill 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 38473's overall natural disaster risk is rated 5.9/10 (Moderate) by FEMA's National Risk Index. Wind damage from severe weather systems tops the local risk profile, with open terrain and frequent storm activity amplifying exposure to destructive gusts. Secondary hazards include tornado and cold wave.
Relative to other U.S. communities, ZIP 38473's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.8/10 state average. The hazard distribution here is led by wind and tornado, as measured by FEMA across Tennessee. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, ZIP 38473 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wind is recommended.
What this means for ZIP 38473: Strong Wind preparedness
- Secure or store outdoor furniture and loose objects that can become projectiles.
- Confirm your policy covers wind damage and keep an inventory of property for claims.
- Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
Risk for the surrounding area
Local Factors for ZIP 38473
These city-level factors differentiate ZIP 38473 from other communities in Tennessee County and provide geographic context for its hazard exposure.
Population
1,129
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.0/10
Coordinates
35.0277° N, 87.1706° 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 38473
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.