38464 Climate Risk & Insurance Guide (2026)
38464 in Lawrenceburg, TN: severe storm and earthquake risk, est. insurance $2,881–$5,423/yr, and buyer guidance before you close.
Lawrenceburg, Tennessee 38464, United States
Data retrieved: Jul 31, 2026 at 20:10 UTC
Overall Risk
Above the national median (top 20% most at-risk)
County-level composite
Est. Annual Insurance
$2,881 – $5,423
Directional range
Premium Strain
6.41% of median income
severe
Flood Insurance
Not required
Parcel falls outside SFHA
Quick buyer brief
What makes 38464 different
A short, indexable summary for buyers comparing 38464 with nearby options in Lawrenceburg.
38464 ranks above the national median (top 20% most at-risk) for overall climate risk, with the biggest current drivers being tornado or earthquake.
Buyers in this ZIP should budget roughly $2,881 - $5,423/yr for homeowners insurance before carrier-specific adjustments. Flood insurance looks less likely to be mandatory, but parcel checks still matter.
If you are choosing between nearby ZIP codes, compare this page with the city overview and the nearby-ZIP links below before you write an offer.
Insurance Market Context
These scores are county-level composites derived from FEMA National Risk Index. Individual parcels may differ significantly. This is not a property appraisal.
Market Pressure
MODERATE
Tennessee's admitted-carrier market is showing mild contraction. A broker with state-specific experience helps.
Admitted Market Share
80%
Carriers exiting at 2.7% YoY in Tennessee.
Residual Market
$1,600–$3,300
annual · last-resort
FAIR Plan / Citizens exposure up 14% since 2020.
Premium Strain Index
Insurance is roughly 6.4% of median household income — the First Street 12th National Risk Assessment characterizes anything above 5% as financially unsustainable.
Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $2,881 to $5,423. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.
Lawrence County Hazard Breakdown
Scores below are from the federal National Risk Index at the county level, refined with parcel-level signals where available (FEMA NFHL for flood, USDA WHP for wildfire, USGS PGA for earthquake, NWS for heat).
Below the national median (safer than most)
Hurricane
LowAbove the national median (top 33% most at-risk)
Earthquake
HighAround the national median
Extreme Heat
ModerateAround the national median
Flood
ModerateBottom 20% nationally (safer than most)
Wildfire
MinimalTop 10% most at-risk nationally
Severe Storm / Tornado
ExtremeLocal Flood Risk Cost Estimator
Flood insurance costs in Lawrenceburg, TN
In Lawrenceburg, TN, the directional annual NFIP flood insurance premium is approximately $1,099 (range $600–$1,484), and the estimated average historical flood claim in Lawrence is $56,004. Typical mapped exposure aligns with Zone X (moderate / 500-year) (county flood percentile: 57).
- NFIP premium (mid)
- $1,099/yr
- Monthly escrow slice
- $50–$124/mo
- Avg. paid claim
- $56,004
- Lender may require
- Often optional
Heat & HVAC Holding-Cost Estimator
Extreme heat carrying costs in Lawrenceburg, TN
In Lawrenceburg, TN, directional summer utility strain adds roughly $58/yr above a moderate-climate baseline (heat percentile: 56). Over 10 years, modeled hidden heat + HVAC costs land near $7,780 — about $778/yr to budget for cooling and accelerated equipment wear.
- Est. monthly electric
- $183/mo
- Annual heat tax
- $58/yr
- 10-yr hidden cost
- $7,780
Earthquake Insurance ROI Estimator
CEA-style earthquake coverage math in Lawrenceburg, TN
In Lawrenceburg, TN, directional earthquake coverage runs about $2,307/yr with a $112,500 deductible exposure (earthquake percentile: 67). Over 30 years, modeled premium spend is $69,210 vs. $19,189 illustrative expected loss.
Borderline — model expected loss near 30-year premium cost.
- Est. annual premium
- $2,307/yr
- Deductible
- $112,500
- 30-yr premium vs loss
- $69,210 / $19,189
What each hazard means for you
Expand any card to see the federal source citation and the buyer-specific action items our research team recommends for this hazard profile.
Hurricane Risk
NRI inland hurricane / tropical-storm remnant risk: Below the national median (safer than most) for inland wind and rain exposure (county-level, based on historical tropical cyclone tracks). Storm surge does not apply at this inland location.
FEMA · National Risk Index (HRCN)
Earthquake Risk
Above the national median (top 33% most at-risk) for earthquake exposure. USGS PGA: 0.158g (site class D). NRI county percentile: Top 15% most at-risk nationally.
USGS · Design Maps (ASCE 7-16) + NRI
Extreme Heat
Long-term heat risk: Around the national median (NRI county baseline). This reflects multi-decadal extreme-heat exposure, not the current week's weather.
NOAA · National Risk Index (HWAV)
Flood Risk
County NRI flood risk: Around the national median for flood exposure. NFHL parcel query unavailable.
FEMA · National Risk Index
Wildfire Risk
Blended wildfire risk: Bottom 20% nationally (safer than most). USDA Wildfire Hazard Potential at parcel: Very Low (Class 1/5). County NRI wildfire risk: Bottom 20% nationally (safer than most). The parcel-level USDA score moderates the county NRI signal.
USDA · WHP + National Risk Index
Severe Storm / Tornado
NRI severe-storm risk: Top 10% most at-risk nationally for severe-thunderstorm, hail, straight-line wind, and tornado exposure (county-level).
FEMA · National Risk Index (TRND)
FEMA Flood Zone
Is this specific parcel in a Special Flood Hazard Area?
The free address snapshot queries FEMA NFHL point-in-polygon and returns your exact FEMA Flood Zone (A, AE, X, etc.) in seconds.
Run a free address lookupCarrier Outlook
Tennessee's admitted-carrier market is showing mild contraction. A broker with state-specific experience helps.
Data Sources
Data Sources & Methodology
FEMA— National Risk Index
Retrieved July 31, 2026
FEMA— National Risk Index (HRCN)
Retrieved July 31, 2026
USDA— WHP + National Risk Index
Retrieved July 31, 2026
USGS— Design Maps (ASCE 7-16) + NRI
Retrieved July 31, 2026
NOAA— National Risk Index (HWAV)
Retrieved July 31, 2026
FEMA— National Risk Index (TRND)
Retrieved July 31, 2026
What buyers should know
Buying in 38464: a risk primer
Before you write an offer on a home in Lawrenceburg, understand how climate and insurance costs affect long-term ownership in 38464.
38464 in Lawrenceburg, Tennessee, scores above the national median (top 20% most at-risk) on our composite climate-risk index. That ranking reflects the combined influence of tornado (91), earthquake shaking risk (67), and flood risk (57) in this ZIP code. Before writing an offer, buyers should understand which hazard drives the score and how it shows up in insurance premiums and long-term maintenance costs.
The data below is assembled from five federal sources — FEMA (flood and National Risk Index), NOAA (storm history and heat), USGS (seismic design), and USDA (wildfire hazard potential) — and is refreshed quarterly. Use it as a starting point for due diligence, not a substitute for a licensed inspector, structural engineer, or insurance agent.
Tornado risk in 38464
The tornado score for 38464 is 91 (extreme), which is well above the national median.
For a specific address inside 38464, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Earthquake risk in 38464
The earthquake shaking risk score for 38464 is 67 (high), which is above the national median. 38464 sits in a seismically active area with high expected shaking (PGA). Standard homeowners insurance does not cover earthquake damage; a separate earthquake policy is required. In Tennessee, deductibles are typically 10–20% of the dwelling limit, so the policy only matters for catastrophic loss.
For a specific address inside 38464, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Flood risk in 38464
The flood risk score for 38464 is 57 (moderate), which is around or slightly above the national median. Parts of 38464 carry moderate flood exposure driven by rainfall-driven ponding or nearby creek flooding. Even outside the SFHA, lenders do not require flood insurance unless the parcel is mapped in Zone A/AE, but we still recommend a flood quote before closing.
For a specific address inside 38464, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Insurance is where climate risk becomes a monthly payment. In 38464, our directional estimate for a standard homeowners policy plus required hazard coverage is $2,881 – $5,423 per year. That estimate assumes a mid-range home and does not include optional coverages such as earthquake, flood (where not required), or higher wind deductibles.
Relative to local incomes, that premium range equals approximately 6.41% of the Lawrence County median household income — a severe premium-to-income burden. As a rule of thumb, premiums above 3–4% of household income begin to compress affordability and can reduce the pool of future buyers when you eventually sell.
Buyer action items
- Get carrier quotes early. Ask at least two admitted-market carriers and one surplus-line broker for a homeowners quote that explicitly includes tornado, earthquake shaking risk, and flood risk. Do this before the inspection contingency expires.
- Add a climate contingency to the purchase agreement. Our free Tennessee-specific contract templates let you make the deal contingent on acceptable insurance premiums, flood-zone status, or seller-provided mitigation documentation.
- Order hazard-specific inspections if the top risks warrant it. In 38464, that may mean a flood-zone determination, a wildfire/defensible-space assessment, a structural/seismic review, or a wind-mitigation inspection depending on which hazards score highest.
Frequently asked questions about 38464
Ready to underwrite 38464?
Get the full address-level report
Both tiers use verified federal data. The $19 snapshot is your pre-offer feasibility check (delivered within 5 minutes). The $99 audit adds parcel flood verification, market context, claim history, and a negotiation brief (within 24 hours).
Full Report
Tier L2
Address-level hazard and insurance feasibility snapshot — five hazards, 30-year projections, carrier pressure signals, and a buy / negotiate / walk-away read for pre-offer buyers. PDF delivered within 5 minutes.
- Five-hazard score breakdown: flood, wildfire, hurricane, earthquake, heat
- 30-year federal climate projections for heat, wildfire, and sea level rise
- Insurance premium estimate range based on state DOI filings
- Clear buy / negotiate / walk-away recommendation with plain-language reasoning
- Comparable lower-risk communities within 25 miles (up to 3 when available)
- Plain-English explanations of SFHA, BFE, residual market, and other insurance terms
- Single PDF you can share with your partner, agent, or inspector
Best for: pre-offer sanity check
Delivered: PDF by email within 5 minutes
Federal data: FEMA, USGS, NOAA, USDA, EPA
Delivered by email within 5 minutes of payment.
Pre-Purchase Audit
Tier L3
Under-contract diligence package: parcel flood zone verification, state insurance market analysis, NOAA claim history, and an evidence-backed negotiation brief to assess earnest-money risk. PDF delivered within 24 hours.
- Everything in the $19 Full Report
- Parcel-level FEMA flood zone verification (Zone A/AE/VE/X — point-in-polygon)
- State insurance market analysis: admitted carrier share, exit rate, residual market growth
- Premium Strain Index — insurance cost as % of local median income, with 2% / 5% affordability benchmarks
- 10-year NOAA Storm Events claim history for the ZIP code
- Negotiation leverage brief with specific, evidence-backed seller-concession asks (typically 3–5; fewer when data is limited)
- Total carrying cost estimate: HO-3 baseline + standalone perils + residual market fallback
- Identifies whether the property may become hard to insure before you close
- Gives you specific talking points for price, credits, and contingency negotiation
Best for: under-contract buyers
Delivered: PDF by email within 24 hours
Includes: 7-day no-questions-asked refund
Delivered by email within 24 hours of payment.
Nearby ZIP risk profiles in Lawrence
Compare climate and insurance risk across neighboring ZIP codes before you commit to a specific address in Lawrenceburg.
Explore 38464 in context
Indexable hub links for buyers comparing 38464 with the wider Lawrenceburg market and Tennessee insurance trends.
Lawrenceburg climate risk overview
City-level hazard scores and insurance context for Lawrenceburg, TN.
Tennessee buyer guides
State-wide insurance market pressure and regional hazard patterns.
Lawrenceburg flood insurance costs
County flood percentile, NFIP premium bands, and lender requirements.
High-risk area buyer checklist
Questions to ask before writing an offer in 38464.
Free contract templates for Tennessee buyers
Download free climate-risk contingency addendums written for Tennessee purchase agreements. Add tornado, earthquake, or flood contingencies to your offer.
Browse free templates