Climate Risk for Zip Code 37221

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 37221 are Inland Flooding, Earthquake, and Tornado.

Data SourceFEMA National Risk Index (December 2025 Update)

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$19,890,025

Expected Annual Loss for Zip Code 37221

78.0Score

Very High compared to US average

Earthquake

$1,633,915

Expected Annual Loss for Zip Code 37221

72.8Score

Very Low compared to US average

Tornado

$1,460,211

Expected Annual Loss for Zip Code 37221

61.1Score

Relatively Moderate compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$19,890,025
Score: 78.0
MAJOR DRIVER
Earthquake
$1,633,915
Score: 72.8
MAJOR DRIVER
Tornado
$1,460,211
Score: 61.1
Cold Wave
$621,039
Score: 44.6
Heat Wave
$405,925
Score: 43.6
Strong Wind
$275,053
Score: 55.0
Hail
$87,073
Score: 48.9
Ice Storm
$42,457
Score: 29.8
Lightning
$22,511
Score: 9.9
Winter Weather
$20,151
Score: 36.2
Hurricane
$6,091
Score: 28.8
Wildfire
$5,765
Score: 54.4
Drought
$1,667
Score: 17.0
Landslide
$1,252
Score: 61.1

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 78.0
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.8
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 61.1

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 37069Zip Code 37064Zip Code 37209Zip Code 37143Zip Code 37205Zip Code 37082
37221 Climate Risk Report | Financial & Hazard Analysis