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Direct answer
Is Surgoinsville, TN safe from lightning?
Surgoinsville is lower risk for lightning in the long-term model (32/100), but risk is not zero during active weather periods.
City score
32/100
Level: low
State average
62/100
Same hazard across TN.
Comparison
Surgoinsville is 30 points below the state average for this hazard.
Why this answer
Lightning exposure derived from ingested climatology tiles.
This answer combines long-term hazard scoring with current live signals. Use the live page for active watch/warning context over the next 6-24 hours.
Insurance pricing and deductible structure can still vary by neighborhood and carrier, so validate policy details against this risk profile.
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