Natural Disaster Risk — ZIP Code 38922

Natural Hazard Profile: ZIP 38922, Mississippi

ZIP 38922 covers part of the Coffeeville area, in the interior eastern United States. The surrounding region experiences very hot, humid summers and mild winters, with overlapping tornado and hurricane seasons 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 38922's composite natural disaster risk at 5.2 out of 10 — moderate 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 earthquake and hurricane risk in their preparedness planning.

ZIP 38922's risk score, slightly below the 6.1/10 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, earthquake, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 38922'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 lightning exposure is adequately protected is a worthwhile step for property owners.