Climate Risk Summary

Oak Grove, TN Risk Profile

The primary drivers of climate-related financial risk in Oak Grove, TN are Inland Flooding, Earthquake, and Strong Wind. This area also faces an unusually high intensity for Lightning and Landslide compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Oak Grove.

Primary Risks

Inland Flooding

$551,171

Expected Annual Loss for Oak Grove

54.5Score

Relatively High compared to US average

Oak Grove
Minimal Estimated LossMax Estimated Loss

Earthquake

$51,403

Expected Annual Loss for Oak Grove

68.1Score

Relatively Low compared to US average

Oak Grove
Minimal Estimated LossMax Estimated Loss

Strong Wind

$41,946

Expected Annual Loss for Oak Grove

82.2Score

Relatively High compared to US average

Oak Grove
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$551,171
Score: 54.5
MAJOR DRIVER
Earthquake
$51,403
Score: 68.1
MAJOR DRIVER
Strong Wind
$41,946
Score: 82.2
UNUSUALLY HIGH
Lightning
$23,400
Score: 82.6
Cold Wave
$22,884
Score: 39.8
Tornado
$20,411
Score: 36.7
Hail
$2,876
Score: 40.6
Hurricane
$2,077
Score: 43.2
Heat Wave
$1,015
Score: 2.7
Winter Weather
$997
Score: 38.0
Wildfire
$890
Score: 58.0
Ice Storm
$728
Score: 13.1
Drought
$459
Score: 38.3
UNUSUALLY HIGH
Landslide
$490
Score: 89.7

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: 54.5
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 68.1
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 82.2
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.6
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 58.0
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 89.7

Sources and Methodology

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

Nearby Cities

BlountvilleBristolColonial HeightsGrayJohnson City

Zip Codes in Oak Grove

37615