Natural Disaster Risk — ZIP Code 38574

Natural Hazard Profile: ZIP 38574, Tennessee

ZIP 38574 covers part of the Monterey 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 38574's composite natural disaster risk at 6.5 out of 10 — high risk. High lightning activity is the primary natural hazard concern, driven by frequent severe thunderstorm development that produces dense ground strike patterns across the area. Residents should also account for tornado and earthquake risk in their preparedness planning.

ZIP 38574's risk score, slightly above the 5.8/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are lightning, tornado, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 38574'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.