🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 38559

Doyle, Tennessee

3.9out of 10
Low Risk

Risk Summary for ZIP 38559

ZIP 38559 scores 3.9/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Tsunami Volcanic Activity

All 18 Hazard Scores

Landslide
6.8
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Hurricane
4.6
Avalanche
4.5
Wildfire
4.4
Cold Wave
4.2
Earthquake
4.1
Tornado
3.6
Drought
3.6
Winter Weather
3.5
Strong Wind
2.6
Ice Storm
2.6
Lightning
2.5
Hail
1.9
Extreme Heat
1.6
Riverine Flooding
1.0

How it compares

ZIP 38559
3.9
Tennessee avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” standard coverage likely adequate

Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 38559, Tennessee

ZIP 38559 covers part of the Doyle area, in the interior eastern United States. The surrounding region experiences hot summers, mild winters, and transitional weather patterns, with tornado risk in both spring and fall shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 38559's composite natural disaster risk at 3.9 out of 10 β€” low risk. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Residents should also account for tsunami and volcano risk in their preparedness planning.

ZIP 38559's risk score, considerably below the 5.8/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are landslide, tsunami, and volcano. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 38559 carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk β€” landslide β€” warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.

What this means for ZIP 38559: Landslide preparedness

  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.

Risk for the surrounding area

Local Factors for ZIP 38559

These city-level factors differentiate ZIP 38559 from other communities in Tennessee County and provide geographic context for its hazard exposure.

Population

1,551

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 35.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 4.4/10

Coordinates

35.8069Β° N, 85.5133Β° 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 38559

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.