ZIP 38503 — Climate & Environment

FEMA’s National Risk Index rates natural-hazard risk for Cookeville city, TN as Relatively Low (composite score 65.8), which is near the middle of the national distribution. The strongest component scores on US5 are flood (60.2) and hurricane (48.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.