Natural Disaster Risk — ZIP Code 38588

Natural Hazard Profile: ZIP 38588, Tennessee

ZIP 38588 in Whitleyville 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 38588 carries an overall risk score of 4.9/10, placing it in the moderate 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 hail and tornado.

Within Tennessee, ZIP 38588's risk is, slightly below the 5.8/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Tennessee identifies landslide as the foremost hazard, followed by hail and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 38588's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that landslide exposure is adequately protected is a worthwhile step for property owners.