Johnson City, TN

Johnson City, Washington County has an overall National Risk Index score of 61 and an expected annual loss score of 71, placing it in the extreme national risk band. The dominant local perils are earthquake, flood, hurricane. The city-level scores below are county-level composites; actual parcel risk can differ meaningfully by neighborhood, elevation, and lot characteristics. Johnson City's earthquake risk scores 84 at the 84th national percentile, placing it in the extreme band. This is among the highest exposure nationally; standard-market underwriting is increasingly selective and residual-market backup plans are worth modeling. Buyers should verify seismic retrofit status and whether earthquake coverage is included. Johnson City's flood risk scores 71 at the 71st national percentile, placing it in the high band. This is well above the national median and often triggers higher deductibles or coverage restrictions. Buyers should check FEMA flood zone status, elevation certificate, and drainage history. Johnson City's hurricane risk scores 56 at the 56th national percentile, placing it in the moderate band. This is near or above the national median and should be verified parcel by parcel. Buyers should review wind mitigation reports, roof age, and storm-surge evacuation zone. The Tennessee insurance market is currently under moderate pressure: admitted carriers write roughly 80% of new business and the residual market has grown roughly 14% since 2020. For higher-risk parcels in Johnson City, the residual market can run from $1,600 to $3,300 annually. Directional standard-market premiums for the city typically range from $900 to $1,780, but parcel-specific factors can move quotes well outside that band. Buyers should use the address-level snapshot tool to pin these citywide averages to the specific property under consideration. A full L2 or L3 report will also surface flood zone status, insurance-market pressure, and action items tied to the exact parcel.

— Open Data Collective