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Monterey town, TN

ZIP 38574 — Climate & Environment

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Climate, disaster risk, air quality, and environmental safety

Environment & Risk in ZIP Code 38574

Disaster Risk (FEMA NRI)

County-linked natural hazard risk from FEMA National Risk Index — useful for comparing insurance and disaster exposure.

FEMA’s National Risk Index rates natural-hazard risk for Monterey town, 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.

Overall rating
Relatively Low
Risk index
65.8
Flood risk
60.2
Wildfire risk
27.1
Hurricane risk
48.0
Earthquake risk
85.7
Tornado risk
86.9
Winter weather risk
84.8
Hail risk
73.0
Air Quality (EPA AQI)

County-level annual air quality from EPA. Good days = healthy to breathe; unhealthy = sensitive groups or worse.

30
Median AQI
88.6%
Good Days

Air quality healthy to breathe

0.0%
Unhealthy / Hazardous

Sensitive groups or worse

Climate & Weather in ZIP Code 38574

Climate normals for Monterey town, TN show little to no average snow and around 64.3 inches of annual precipitation. Pair that with FEMA NRI hazard context (overall rating Relatively Low) when evaluating long-term housing and insurance exposure.

7-day weather forecast

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Sunrise, sunset & moon

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Monthly Temperature

30-year climate normals (avg. monthly temperature)

Climate Data
Hardiness Zone
7a
Annual Snow Days
0
Annual Precipitation
64.34 in
FEMA NRI rating
Relatively Low

Climate & Environment key statistics

Climate statistics
Climate
Hardiness zone7a
Annual precip (in)64.34
Snow days0
Broadband access85.0%
Risk & Air Quality statistics
Risk & Air Quality
NRI ratingRelatively Low
NRI risk index65.8
Flood risk (NRI)60.2
Wildfire risk (NRI)27.1
Hurricane risk (NRI)48.0
IRS net migration312
Median AQI30
Good AQI days88.6%