Natural Disaster Risk — ZIP Code 38585
Spencer, Tennessee
Risk Summary for ZIP 38585
ZIP 38585 scores 3.9/10 (Low risk), below 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
Below-average risk — 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 38585, Tennessee
ZIP 38585 in Spencer sits in the interior eastern United States. Its humid subtropical climate produces hot summers, mild winters, and transitional weather patterns, and notably tornado risk in both spring and fall. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 38585 carries an overall risk score of 3.9/10, placing it in the low category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to tsunami and volcano.
Within Tennessee, ZIP 38585's risk is, considerably below the 5.8/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of Tennessee identifies landslide as the foremost hazard, followed by tsunami and volcano. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Despite its lower-than-average risk classification, ZIP 38585 is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers landslide — remains prudent for all residents.
What this means for ZIP 38585: Landslide preparedness
- 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.
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
Risk for the surrounding area
Local Factors for ZIP 38585
These city-level factors differentiate ZIP 38585 from other communities in Tennessee County and provide geographic context for its hazard exposure.
Population
4,084
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.4/10
Coordinates
35.6900° N, 85.4227° 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 38585
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.