Chattanooga, TN (37408): PFAS Detected — 74/100 (2026)
EPA data for Tennessee American Water
Where MCL exceedances trigger health flags, 37408 in Chattanooga, TN keeps its 3 violations in the procedural tier.
Data source: U.S. Environmental Protection Agency (EPA) SDWIS Last verified: April 2, 2026
Key Findings
5 other areas checked — no concerns found.
At a Glance
- Water EPA records show 3 violations (non-health) on the water system serving this ZIP (5-year window).
- Lead Lead reading of 0.001 mg/L is well below EPA action level.
- PFAS PFAS detected below MCL in UCMR5 sampling.
- Radon EPA Zone 2 — moderate predicted indoor radon (2–4 pCi/L).
- Flood 11 cumulative NFIP flood claims — limited flood history.
Composite Home Safety Score has been stable over the tracking period.
What’s Happening in Chattanooga, Tennessee
PFAS (forever chemicals) have been detected in the local water supply.
Install a PFAS-rated water filter
PFAS (forever chemicals) have been detected in water systems serving this ZIP code. These synthetic chemicals do not break down and may accumulate in the body over time.
Recommended Buyer Guides for This ZIP
Independent guides — grounded in EPA, NSF, FEMA, and CDC standards. Matched to risks detected in your area.
- Best Water Filters for PFAS — PFAS detected in supply
- Best Under-Sink Reverse Osmosis Systems — Multi-contaminant removal
This Summer — what to check
Season-specific maintenance for home safety. Universal tasks — apply everywhere unless noted.
-
Water Heater
Flush sediment (1–2×/year). Cuts energy use and prevents bacterial growth in low-use hot-water pockets.
Source: DOE -
Wildfire & Smoke
Clear leaves and debris from gutters and the 30-ft home-ignition zone. Replace HVAC filters with MERV 13+.
Source: Firewise -
HVAC Filter
Peak AC run. Replace filters monthly during high pollen / wildfire-smoke days; standard interval otherwise.
Source: EPA IAQ
Get notified when water quality changes in your area
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How Chattanooga Compares
Safety Score vs. Hamilton County and Tennessee averages
| Metric | Chattanooga | Hamilton County | Tennessee |
|---|---|---|---|
| Safety Score | 74 | 69 | 69 |
| EPA Violations (total) | 3 | 1.9 | 1.7 |
| Lead (ppb) | 1 | 1 | 1.7 |
County and state averages computed from 41,344 ZIP codes. Data: EPA SDWIS.
See incorrect data? Let us know
High-priority alerts for 37408 in Chattanooga total 1, with zero critical-level findings documented.
🔍Key Insights for Chattanooga 37408
Derived from EPA, Census, FEMA, and EIA data — exclusive to ZipCheckup
Score Breakdown
How your Home Safety Score of 72 is calculated.
Score has been stable — no change in the last 90 days.
Safety & Health (10) HIGH
Compliance Alerts for 37408
3 issues flagged based on EPA data, state regulations, and housing age estimates.
Estimates based on EPA data, U.S. Census ACS housing vintage, and state regulations. Individual homes may vary.
Compliance Risk Forecast
Probability of future drinking water violations based on historical patterns, enforcement trends, and system size.
95% probability of new violation within 2 years
Based on 7.13 events/year rate. Model uses Poisson distribution with trend and system-size adjustments.
Service Disruption Risk
Moderate20% estimated probability of a boil water advisory or service interruption in the next 90 days.
Based on infrastructure age, EPA violation history, flood exposure, and seasonal patterns.
Estimates based on EPA enforcement data, U.S. Census ACS housing vintage, and FEMA flood claims. Not a guarantee of disruption.
Your Water System
ZIP code 37408 in Chattanooga, Tennessee is served by Tennessee American Water (EPA ID: TN0000107). This system provides water to approximately 211,499 people from surface water sources.
There are 5 community water systems serving this area.
Home Safety Score: B (74/100)
Based on water quality violations, lead levels, and radon risk in your area. This score is better than 64% of ZIP codes nationally and 69% in Tennessee.
| Factor | Status | Details |
|---|---|---|
| Water Quality | warning | 3 violations, 0 health-based |
| Lead in Water | safe | 0.001 mg/L (EPA action level: 0.015 mg/L) |
| Radon Risk | Moderate | Zone 2 |
| Gas Safety | low | 4 incidents, score 10/100 |
| Wildfire Smoke | low | score 24/100, 1 county fires (5yr) |
| Earthquake Risk | Relatively Moderate | score 12.7/50 |
| Superfund NPL | Very High | nearest 0.4 mi (Southside Chattanooga Lead), 3 sites within 10 km |
Lead & Copper in Your Water
The EPA requires water systems to monitor lead and copper levels under the Lead and Copper Rule.
| Metal | Measured Level | EPA Action Level | Status | Sample Date |
|---|---|---|---|---|
| Lead | 0.001 mg/L | 0.015 mg/L | Within limit | N/A |
Radon Risk
Radon Zone 2 — Moderate potential (Hamilton County)
EPA recommends homes consider radon testing. Zone 2 indicates moderate radon potential (predicted average indoor radon screening level between 2 and 4 pCi/L).
CO & Gas Safety
Gas Distribution Risk: Low (score: 10/100)
4 gas distribution incidents recorded in this county since 2004, including 1 fatalities. Most recent: 2020.
The CPSC recommends CO detectors on every level of your home. Have gas appliances inspected annually by a licensed technician.
Wildfire & Smoke Risk
Smoke Risk: Low (score: 24/100)
1 wildfire recorded in this county over the past 5 years. Nearest recent wildfire: 15 km (9 miles).
Monitor air quality at AirNow.gov during fire season (June–November). A HEPA air purifier can reduce indoor PM2.5 by up to 80% during smoke events.
Earthquake & Seismic Risk
Risk Rating: Relatively Moderate (score: 12.7/50)
| Metric | Value |
|---|---|
| Risk Score | 12.7 |
| Risk Rating | Relatively Moderate |
| Annual Frequency | 0.0016 damaging events/yr |
| Expected Annual Loss | $7.1M (Relatively Moderate) |
This area is within or near the New Madrid Seismic Zone, one of the most seismically active regions east of the Rocky Mountains.
Monitor seismic activity at the USGS Earthquake Map. Secure heavy furniture, maintain an emergency kit, and know your gas shutoff location.
Superfund Site Proximity
Proximity Risk: Very High (score: 85/100)
Nearest NPL site: Southside Chattanooga Lead at 0.4 miles (0.7 km).
| Radius | NPL Sites |
|---|---|
| Within 5 km (3.1 mi) | 3 |
| Within 10 km (6.2 mi) | 3 |
| Within 25 km (15.5 mi) | 3 |
Nearest NPL Sites
- Southside Chattanooga Lead — 0.4 mi (Active Cleanup), listed 09/13/2018
- Tennessee Products — 2.1 mi (Deleted), listed 09/29/1995
- Amnicola Dump — 2.9 mi (Deleted), listed 09/08/1983
- Mathis Brothers Landfill (South Marble Top Road) — 16.5 mi (Construction Complete), listed 03/31/1989
Search nearby sites at the EPA Superfund Site Search. If you garden or use well water near an NPL site, consider soil and water testing.
Violation Summary
Recent Violations
| Date | Contaminant | Type | Status |
|---|---|---|---|
| July 1, 2024 | Surface Water Treatment Rule | Monitoring | Resolved |
| July 1, 2024 | Surface Water Treatment Rule | Monitoring | Unresolved |
| July 1, 2023 | Surface Water Treatment Rule | Monitoring | Unresolved |
Contaminants Detected
The following contaminants have been flagged in EPA records for water systems serving this ZIP code:
| Contaminant | Category | Violations | Health-Based |
|---|---|---|---|
| Surface Water Treatment Rule | Treatment Technique | 3 | No |
PFAS Contamination
PFAS detected: PFBS, PFBA.
Highest measured level: 0.0095 µg/L across all detected compounds.
PFAS (per- and polyfluoroalkyl substances) are a group of synthetic chemicals that do not break down in the environment or the human body. Long-term exposure has been linked to immune system effects, hormone disruption, and increased cancer risk.
Recommended filtration: Reverse osmosis (RO) or activated carbon block filters certified NSF/ANSI 58 or NSF/ANSI 53 are the most effective at reducing PFAS in drinking water.
Learn more about PFAS in drinking water →
Energy Costs in TN
Residential electricity rate: 13.10¢/kWh — 23% below the national average (17.0¢/kWh).
Lower electricity rates in Tennessee make electric appliances and heat pumps a cost-effective choice compared to other states.
Energy Sources
Tennessee generates 13% of its electricity from renewable sources — 14% below the national average of 26.9%. Including nuclear, 52.2% of the state's power is carbon-free (EIA 2025).
| Source | Share |
|---|---|
| Nuclear | 39.3% |
| Coal | 24.2% |
| Natural gas | 23.5% |
| Hydroelectric | 11.2% |
| Solar | 1.8% |
Need help with your water quality?
Typical cost: Water test: typically $20–$50 (DIY kit) · Professional inspection: $150–$400
Find the Right Water FilterFree tip: Let cold water run for 2 minutes before drinking — this helps flush lead from your pipes.
Water Systems Serving This Area
| System Name | EPA ID | Population | Source |
|---|---|---|---|
| Tennessee American Water | TN0000107 | 211,499 | Surface water |
| Eastside Utility District | TN0000219 | 57,939 | Surface water |
| Tn American - Sequatchie Valley | TN0000749 | 7,842 | Surface water |
| Jasper Highlands Water System | TN0008286 | 1,280 | Surface water |
| Suck Creek Water System | TN0000909 | 606 | Groundwater |
What You Can Do
- Review your annual Consumer Confidence Report (CCR) — Your utility publishes this each July
- Test your home's water — Especially if you have older plumbing (pre-1986) that may contain lead
- Stay informed — Bookmark this page to check for updates on your water quality
Need help with water testing or filtration?
Typical cost: Water test: typically $20–$50 (DIY kit) · Professional inspection: $150–$400
Find the Right Water FilterFree tip: Let cold water run for 2 minutes before drinking — this helps flush lead from your pipes.
Other Water Quality Reports in Tennessee
- 37010 (Adams) — 3 violations
- 37011 (Antioch)
- 37012 (Alexandria) — 10 violations
- 37013 (Antioch)
- 37014 (Arrington)
- 37015 (Ashland City) — 2 violations
- 37016 (Auburntown)
- 37018 (Beechgrove)
- 37019 (Belfast)
- 37020 (Bell Buckle) — 2 violations
- 37022 (Bethpage)
- 37023 (Big Rock)
- 37024 (Brentwood) — 4 violations
- 37025 (Bon Aqua)
- 37026 (Bradyville)
- 37027 (Brentwood) — 4 violations
- 37028 (Bumpus Mills)
- 37029 (Burns)
- 37030 (Carthage) — 9 violations
- 37031 (Castalian Springs)
Nearby Water Quality Reports
- 37401 (Chattanooga) — 1 mi — 3 violations
- 37414 (Chattanooga) — 1 mi — 3 violations
- 37422 (Chattanooga) — 1 mi — 3 violations
- 37424 (Chattanooga) — 1 mi — 3 violations
- 37450 (Chattanooga) — 1 mi — 3 violations
- 37403 (Chattanooga) — 1 mi — 3 violations
- 37402 (Chattanooga) — 1 mi — 3 violations
- 37410 (Chattanooga) — 2 mi — 3 violations
- 37404 (Chattanooga) — 2 mi — 3 violations
- 37407 (Chattanooga) — 2 mi — 3 violations
Data Sources
This report uses public data from the EPA Safe Drinking Water Information System (SDWIS). View the full compliance record for Tennessee American Water (TN0000107) on EPA.gov.
Frequently Asked Questions
Is the tap water in 37408 safe to drink?
Based on EPA records, the water system serving ZIP code 37408 has only monitoring/reporting violations, which are procedural in nature. However, individual home conditions (old pipes, well water) can affect quality.
Where does 37408's water come from?
The primary water source for this area is surface water. Tennessee American Water serves approximately 211,499 people.
How can I get my water tested?
Contact your local water utility for a free water quality report, or hire a certified lab for independent home water testing. The EPA recommends testing annually if you use a private well.
Does 37408 have lead in the water?
Lead and Copper Rule sampling data for ZIP code 37408 shows a lead level of 0.001 mg/L, which is below the EPA action level of 0.015 mg/L. Still, older homes with lead service lines or pre-1986 plumbing may have higher levels at individual taps.
What is the radon risk in 37408?
ZIP code 37408 (Hamilton County) falls in EPA Radon Zone 2, indicating moderate radon potential. Zone 2 areas have moderate radon potential, and the EPA recommends considering radon testing for homes in this area.
USGS reports that 4 of the top compounds applied across the surrounding county are flagged by the EPA for drinking-water monitoring — see the agricultural pesticide-use section
Contaminant Stress Analysis
Statistical envelope (p10/p50/p90) of measured contaminant levels compared to EPA Maximum Contaminant Levels (MCL). Based on enforcement and compliance monitoring data.
All measured values of Lead (LCR 90th) remain below the MCL of 15 PPB.
Score History
Tracking since 2026-03-18 · 54 data points
Safety Score Timeline
Environmental Incidents
Enforcement Actions
Understanding EPA Enforcement
- MCL Violation — Contaminant exceeded the Maximum Contaminant Level set by EPA
- Treatment Technique (TT) — Water system failed to follow required treatment methods
- Formal Enforcement — EPA or state issued a legal order (administrative order, court action, or compliance order)
- Resolved — The water system returned to compliance
Source: EPA Enforcement and Compliance History Online (ECHO). Data from the Safe Drinking Water Information System (SDWIS). Updated quarterly.
PFAS Contamination Detected
PFAS ("forever chemicals") have been detected in water systems serving ZIP code 37408.
Detected compounds: PFBS, PFBA.
Highest measured level: 0.0095 µg/L
Reverse osmosis (RO) and activated carbon block filters certified NSF/ANSI 58 or NSF/ANSI 53 are the most effective at reducing PFAS levels at the tap.
Consumer Confidence Report
2024 ReportAnnual water quality report published by Tennessee American Water for ZIP code 37408.
Key Contaminants
| Contaminant | Level | MCL | Status |
|---|---|---|---|
| TTHM | 48.1 ppb | 80 ppb | Within Limit |
Lead & Copper Rule Results
What Is a Consumer Confidence Report?
Every community water system in the U.S. is required by the EPA to publish an annual Consumer Confidence Report (CCR), also known as a Water Quality Report. It lists all detected contaminants, their levels compared to federal limits (MCLs), and information about where your water comes from.
How to Read Your CCR
- MCL (Maximum Contaminant Level) — the highest level of a contaminant allowed in drinking water
- MCLG (Maximum Contaminant Level Goal) — the level below which there is no known health risk
- Action Level — used for lead and copper; triggers treatment if exceeded at the 90th percentile
- A violation means detected levels exceeded the MCL — your utility must notify you and take corrective action
Based on your water data
Removes chlorine taste and disinfection byproducts. Addresses THMs (disinfection byproducts) detected in your water.
View details →Filters every tap in your home. View details →
Product links are affiliate links — we may earn a commission at no extra cost to you. Recommendations are based on NSF certifications and EPA contaminant data, not advertiser influence. See our disclosure.
Childhood Environmental Risk Score — 37408
Moderate RiskThis ZIP's score is higher than 15% of U.S. ZIP codes and 18% of those in Tennessee — a relative ranking, not a verdict on any home.
Risk Factor Breakdown
Water lead is the largest contributor to this ZIP's score. Lead can enter tap water from older service lines and fixtures, and children under 6 absorb it more readily than adults. The CDC has found an association between lead exposure and developmental delays, so testing the water a child drinks is a practical first step.
- Children under 6 are most vulnerable to lead exposure — there is no safe level of lead in blood
- Test your home's drinking water, especially if your home was built before 1986
What families can do
Here are calm, practical steps families in this ZIP can consider — informational guidance, not cause for alarm.
No specific actions are flagged for this ZIP. The general guidance above still applies to every family.
Know a family in 37408? A free 30-second ZIP check shows them the same lead, water, and housing data.
Lead Pipe Replacement Funding for Tennessee
Key LCRI Deadlines
What This Means for You
- If your home was built before 1986, it may have lead service lines
- Your water utility is required to inventory and replace lead lines at no cost to you
- Contact your water utility to check if your address is in their inventory
Source: EPA DWSRF Lead Service Line Replacement Program, FY2025 Allotment Memorandum.
Active Alerts in Tennessee
0 active weather alerts in Tennessee. Severe weather can affect your water quality and home safety.
Environmental Hazards (10) MODERATE
Flood Risk Profile
FEMA Flood Zones Explained
- Zone A / AE — High-risk (100-year floodplain). Flood insurance required for federally backed mortgages
- Zone V / VE — High-risk coastal area with wave action. Strictest building requirements
- Zone X — Moderate-to-low risk (500-year floodplain or minimal flood hazard)
- Zone B / C — Areas of moderate or minimal flood hazard
Air Quality for 37408
Air quality is acceptable. However, there may be a risk for some people, particularly those who are unusually sensitive to air pollution. Consider reducing prolonged outdoor exertion if you experience symptoms.
Termite Risk for 37408
Heavy Termite ZoneRequired for VA/FHA loans statewide; common in conventional
VA/FHA loan will not close without clear NPMA-33 form
Termite Damage in the U.S.
- Termites cause an estimated $5 billion in property damage annually in the United States, according to the USDA.
- Standard termite treatment costs $225–$2,500; fumigation for severe infestations: $2,000–$8,000.
- Homeowner insurance typically does not cover termite damage, as it is considered preventable.
What Homeowners Should Know
- Annual termite inspections are recommended in moderate-to-heavy risk zones. Early detection can prevent thousands in repair costs.
- VA and FHA loans require a clear NPMA-33 (Wood Destroying Insect Inspection Report) for closing in most states.
- Warning signs: mud tubes on foundation walls, hollow-sounding wood, discarded wings near windows, and frass (droppings) near baseboards.
- Preventive treatment ($200–$900 per year) is far less expensive than structural damage repair, which averages $3,000 and can exceed $50,000.
- Tennessee falls in a heavy termite infestation probability (TIP) zone. Subterranean termites are the primary concern.
Source: USDA Forest Service Termite Infestation Probability (TIP) zones, VA/FHA lender requirements, Tennessee pest control regulations. Inspection cost estimates reflect typical market rates and may vary by provider, property size, and location. This information is for general guidance only.
Pest Risk for 37408
High Pest Pressuretermites, mosquitoes, ticks, cockroaches and fire ants
- West Nile activity zone
- Lone Star tick endemic area
Required for VA loans in all states; not state-mandated but WDI common
Up to $5,000 per violation
Why This Matters
- Health risks: Mosquitoes transmit West Nile virus (1,000+ U.S. cases annually). Ticks spread Lyme disease (estimated 476,000 cases/year per CDC). Rodent droppings can carry hantavirus.
- Property damage: Carpenter ants and termites cause billions in structural damage annually. Rodents gnaw wiring, creating fire hazards.
- Food safety: Cockroaches and rodents contaminate food preparation areas and can trigger allergies and asthma, especially in children.
- Tennessee's climate creates year-round pest pressure. Regular professional inspections and preventive treatment are strongly recommended.
Common Questions
Source: CDC vector-borne disease surveillance, EPA pesticide regulation data, Tennessee pest control board, NPMA pest prevalence maps. Inspection cost estimates reflect typical market rates and may vary by provider, property size, and location. This information is for general guidance only.
Wildfire & Smoke Risk Profile
Wildfire Smoke Safety Tips
- Air purifier with HEPA filter: run in the room where you spend the most time. Close windows and doors during smoke events.
- N95 or KN95 masks: standard cloth and surgical masks do not filter fine particulate matter (PM2.5) from wildfire smoke.
- Seal gaps: use wet towels or tape around doors and windows to reduce smoke infiltration during poor air quality days.
- Monitor AQI: check AirNow.gov daily during fire season. AQI above 100 = unhealthy for sensitive groups; above 150 = unhealthy for everyone.
- Create a clean room: designate one room with the air purifier running, keep it sealed, and limit time outdoors when AQI is elevated.
Protect Your Indoor Air from Wildfire Smoke
A HEPA air purifier can reduce indoor PM2.5 by up to 80% during smoke events. Portable units for a single room start at $80. Whole-home solutions start at $300.
Product links may earn a commission — see our disclosure.
Earthquake & Seismic Risk Profile
Earthquake Preparedness Tips
- Secure heavy furniture: anchor bookshelves, water heaters, and large appliances to wall studs. Unsecured items cause most earthquake injuries.
- Emergency kit: water (1 gallon per person per day for 3 days), non-perishable food, flashlight, batteries, first aid kit, wrench to turn off gas. Keep kits at home and in your car.
- Know how to shut off gas: locate the gas meter shutoff valve and keep a wrench nearby. Gas leaks are a leading cause of post-earthquake fires.
- Drop, Cover, Hold On: during shaking, drop to hands and knees, take cover under a sturdy table, and hold on. Do not stand in doorways or run outside.
- Structural retrofit: homes built before 1980 may need foundation bolting or cripple wall bracing. FEMA's earthquake resources offer guidance on retrofitting.
- USGS ShakeMap: monitor real-time and recent seismic activity at earthquake.usgs.gov.
Build Your Earthquake Preparedness Kit
FEMA recommends every household in a seismic zone maintain a 72-hour emergency kit. Pre-assembled kits start at $40 and include water, food, first aid, and tools.
Product links may earn a commission — see our disclosure.
Mold Risk Assessment for 37408
Low RiskSummer months (June–August) present the highest mold risk in 37408, with average humidity reaching 72%. Indoor humidity can be 10–15% higher in poorly ventilated spaces. Winter humidity drops to 68%, reducing but not eliminating risk.
Why Mold Matters
- The CDC and EPA identify mold as a significant indoor health hazard. Common symptoms include respiratory irritation, allergic reactions, and asthma exacerbation.
- Mold begins growing within 24–48 hours on damp surfaces when relative humidity exceeds 60%. Bathrooms, basements, and crawl spaces are most vulnerable.
- Professional mold remediation costs $1,500–$9,000 on average. Homeowner insurance often excludes mold coverage unless caused by a "covered peril."
- Homes built before 1980 typically lack modern vapor barriers and ventilation systems, increasing moisture infiltration risk.
Prevention Recommendations
- Use a dehumidifier to keep indoor humidity below 50%. This is especially important in basements, crawl spaces, and bathrooms in high-humidity areas like 37408.
- Ensure proper ventilation: use exhaust fans in bathrooms and kitchens, and keep attic and crawl space vents unblocked.
- Fix leaks immediately. Even small plumbing leaks can create mold-favorable conditions within 48 hours.
- Monitor indoor humidity with a hygrometer ($10–$20). Target 30–50% year-round.
With 70% average humidity, a dehumidifier is the most effective way to reduce mold risk in 37408. Energy Star-rated units cost $200–$400 and can reduce humidity by 20–30%.
Respiratory Risk Today
High RiskSuperfund Sites & Soil Contamination Risk
Nearest Superfund (NPL) Sites
| Site Name | Distance | Status | Listed |
|---|---|---|---|
|
Southside Chattanooga Lead
Chattanooga, Tennessee
|
0.4 mi | Active Cleanup | 09/13/2018 |
|
Tennessee Products
Chattanooga, Tennessee
|
2.1 mi | Deleted from NPL | 09/29/1995 |
|
Amnicola Dump
Chattanooga, Tennessee
|
2.9 mi | Deleted from NPL | 09/08/1983 |
|
Mathis Brothers Landfill (South Marble Top Road)
Kensington, Georgia
|
16.5 mi | Construction Complete | 03/31/1989 |
What Are Superfund NPL Sites?
The National Priorities List (NPL) is the EPA's list of the most contaminated sites in the United States. These sites are eligible for federal cleanup funding under CERCLA (the "Superfund" law). Common contaminants include heavy metals, volatile organic compounds (VOCs), pesticides, and industrial solvents that can leach into soil, groundwater, and air.
- Active Cleanup: EPA is investigating or remediating the site — contamination may still be present.
- Construction Complete: Physical cleanup is done, but long-term monitoring continues.
- Deleted: Site meets EPA cleanup standards and has been removed from the NPL.
Know What's in Your Soil
If you live near a Superfund site, a home soil test kit can detect heavy metals, lead, and other contaminants — especially important if you garden, have children, or use well water.
Product links may earn a commission — see our disclosure.
Pollution and Population Health
This section places two independent federal datasets side by side: environmental measurements from the EPA and population-health estimates from the CDC. They describe the same ZIP code but are collected separately, and each one is read on its own terms.
Local pollution measurements
Air, traffic and contaminated-site indicators for this ZIP code, from EPA programs.
Each bar is this ZIP code’s EJScreen national percentile; a higher value means more exposure compared with other U.S. areas.
Across 5 reporting cycles in Hamilton County, TN, EPA AirData shows median AQI stable within the silence band.
EPA AirData = facility-reported industrial emissions, county rollup. Does not measure ambient or breathable air quality at any specific address. EPA AirData methodology
EPA AirData annual AQI summaries 2020-2024
Two independent datasets. Air and soil pollution data (EPA) and health-prevalence data (CDC) are independent datasets shown side by side for context only. ZipCheckup does not establish a causal link between local pollution and any health condition, and these figures do not demonstrate one.
Population-health estimates
CDC PLACES modeled prevalence among adults in this ZIP code, each shown with its 95% confidence interval. The prior-release figure is shown alongside as a reference point only; CDC explicitly cautions that small-area year-to-year differences may reflect model recalibration rather than real change.
Modeled small-area estimates produced from the BRFSS national survey and census demographics (Zhang et al. 2014). Not direct measurements; not for diagnostic or screening use.
Only CDC PLACES measures present in every release since 2020 appear with a prior-release reference; newer measures (added in 2023 and later) are presented without a prior figure.
Food access for this area
How the USDA classifies access to grocery stores and fresh food across the surrounding census tract.
USDA Food Access Research Atlas tract estimates, mapped from census tract to ZIP code. These are modeled population-level figures, not findings about any individual or any specific address.
Pollution–Health Comparison Index
In 37408, the CDC models adult-asthma prevalence at 11.7%, while a statistical model of local pollution and poverty predicts about 10.5% — well above the model’s prediction.
Among U.S. ZIP codes, this one sits at percentile 90 for how far observed asthma is above or below the model’s prediction.
The Pollution–Health Comparison Index is a percentile rank showing how this ZIP code’s observed asthma prevalence compares with what a statistical model would predict from local pollution and poverty alone. It describes a statistical association, not a cause-and-effect relationship.
Agricultural pesticide use in the surrounding county
USGS estimates how many kilograms of agricultural pesticides are applied each year in this ZIP code’s surrounding county, plus the five most-applied compounds. These are county-level use estimates, not a measurement of any pesticide in the tap water served to this ZIP code.
Top compounds by volume
The five compounds applied in the largest amounts across this county. Where the EPA sets a drinking-water reference limit (MCL) for a compound, that limit is shown for context — it is a regulatory reference, not a finding of any concentration in this ZIP code’s water.
-
Moderate water concernGLYPHOSATEHerbicide · 1.7k kg/yr · EPA drinking-water reference limit: 700 ppb
-
Moderate water concern2,4-DHerbicide · 1.5k kg/yr · EPA drinking-water reference limit: 70 ppb
-
High water concernATRAZINEHerbicide · 188 kg/yr · EPA drinking-water reference limit: 3 ppb
-
Low water concernPARAQUATHerbicide · 69 kg/yr
-
Moderate water concernACETOCHLORHerbicide · 61 kg/yr
4 of the top compounds are ones the EPA flags for drinking-water monitoring — see the drinking-water section above
What this means
- These figures describe pesticide application across the surrounding county, not the drinking water at this address.
- An EPA Maximum Contaminant Level (MCL) is a regulatory reference for how much of a compound is allowed in finished tap water — it is not a finding of contamination at this ZIP code.
- Tested drinking-water results from the local water system — when reported — appear in the drinking-water section of this report.
Methodology: Annual county pesticide-use estimates are from the USGS Pesticide National Synthesis Project, mapped from county FIPS to ZIP code. EPA Maximum Contaminant Levels are reproduced from federal drinking-water regulations and are reference points only.
Informational only. County-level agricultural pesticide-use estimates are not a measurement of any pesticide in the drinking water served by this ZIP code, nor an assessment of health risk. Tested drinking-water results, when reported by the local water system, appear in the drinking-water section above.
Home & Infrastructure (7) OK
Home Buyer Risk Report
An inspection-grade snapshot of public-data risk factors for this ZIP, built to help a buyer decide what to verify before closing.
Public federal data shows a low overall risk profile for this ZIP. The checklist below works alongside a standard home inspection.
Seven-factor inspection checklist
Each factor below is scored 0–100 from public federal data. A higher score means the factor is more worth verifying before you buy.
The local water system's recent EPA violation and contaminant history, along with an independent tap-water test, gives more context.
The FEMA flood zone, whether the property has flooded before, and flood-insurance requirements are key points to review.
Homes built before 1986 may have lead pipes or solder, and pre-1978 homes may have lead paint — a lead inspection adds clarity.
Heating and cooling costs and the age of the HVAC system, along with recent utility bills, give a fuller picture.
Older homes more often have aging plumbing, wiring, and a water heater near end of life — a full inspection adds detail.
The EPA recommends testing every home for radon; homes in EPA Radon Zone 1 have the highest potential.
Local air-quality history is useful context; for sensitive occupants, an HVAC system with good filtration helps.
Nearby hazards
EPA Superfund sites within 10 km: 3. Nearest: Southside Chattanooga Lead (about 0.7 km away).
ATSDR public-health assessment for nearby sites: Indeterminate Public Health Hazard.
Modeled probability of a local water-service disruption in the next 90 days.
See the 90-day disruption outlookNearest nuclear plant: Sequoyah, about 18 miles away.
Healthcare access
Hospitals reported by CMS Hospital Compare near this ZIP code, with overall federal quality star ratings where CMS publishes one.
Closest hospitals
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CMS 4-star ratingErlanger Medical CenterAcute care · 1.2 mi away · ER
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CMS 5-star ratingMemorial Healthcare System, IncAcute care · 2.0 mi away
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CMS 4-star ratingParkridge Medical CenterAcute care · 2.0 mi away · ER
Across the rated hospitals within 15 miles, the average CMS overall-quality rating is 4.0 (CMS scale: 1 to 5).
Federal data from CMS Hospital Compare. Distances are straight-line estimates from the ZIP code centroid; ZipCheckup neither ranks nor recommends any hospital.
Inspection-day checklist
Practical items to raise with your inspector, agent, or the seller — tailored to this ZIP's data.
- Get a flood-insurance quote and confirm the FEMA flood zone before making an offer.
- Hire an independent home inspector for a full walkthrough of the property.
- Read the seller's disclosure and any past inspection or repair records.
- Ask for service records for the HVAC system, water heater, and roof.
What this means
- This report consolidates seven home-purchase risk factors and nearby hazards from public federal data into one place.
- Each flagged item is a recommendation to verify independently — not a finding of a defect.
- An independent home inspection remains an essential step before closing.
Methodology: The report combines the home purchase risk score — a seven-factor composite of public federal data — with EPA Superfund, ATSDR, water-disruption, and NRC nuclear-zone proximity datasets. All figures are modeled estimates.
Informational only. This is a modeled summary of public federal data, not a home inspection, an appraisal, or a prediction of defects. Verify any concern with a qualified inspector before a purchase.
Housing Profile for 37408
Based on U.S. Census data (ACS B25034), there are 1,678 housing units in this ZIP code. The median home was built around 2002, making it roughly 24 years old.
When Homes Were Built
What This Means for Home Equipment
Homes from the 2002s are approaching or past their first major equipment replacement cycle:
- Water heater: estimated ~0 years old
- HVAC system: estimated ~7 years old
- Plumbing: likely PEX or Copper
Home Value Context
Estimated median home value in this ZIP code based on Census ACS data. Safety remediation costs include water filtration, lead abatement, radon mitigation, and flood insurance where applicable.
Equipment Age Estimate for 37408
Based on Census data, the median home in this ZIP was built in 2002 (~24 years old).
Likely pipe material: PEX or Copper
Estimates based on U.S. Census ACS housing vintage data and typical equipment lifespans. Actual conditions vary by home.
Water Infrastructure Risk
Risk Factor Breakdown
What This Means
ZIP code 37408 has relatively newer infrastructure and fewer risk indicators. Routine water testing is still recommended as part of normal home maintenance.
Infrastructure Decay & Disruption
Water pipe decay
Local water mains have an estimated 25 years of modeled service life remaining.
Bridge condition (FHWA NBI)
Bridge figures are from the Federal Highway Administration's National Bridge Inventory. They describe area-level structural ratings, not the safety of any specific bridge.
Bridge condition — FHWA NBI 2024 annual release
Of 464 bridges classified within this ZIP code's surrounding county, 29 are classified Poor by FHWA NBI 2024.
Good (217) · Fair (218) · Poor (29)
FHWA classifies bridges as Good (rating 7-9), Fair (5-6), or Poor (0-4) based on biennial inspections of deck, superstructure, substructure, and culvert components.
Counts are county-level aggregated; multiple ZIP codes within the same county share these counts. No per-bridge or per-structure-ID claim is made.
Source: FHWA National Bridge Inventory, 2024 annual release.
Gas pipeline incident history
PHMSA records 4 reported gas-distribution pipeline incidents on file for this area.
Source: U.S. Pipeline and Hazardous Materials Safety Administration (PHMSA) historical incident data.
This is the modeled probability of a boil-water advisory or water-service interruption in the next 90 days.
See the full service-disruption breakdown →What this means
- This score blends four public federal datasets — water-pipe decay, bridge condition, gas-pipeline incident history, and a 90-day disruption estimate — into one area-level measure of infrastructure stress.
- It describes the infrastructure around a home, not the condition of the home itself, and it is a modeled estimate rather than an engineering assessment.
- Aging water mains raise the chance of breaks and service interruptions; a plumber can inspect a home's own supply line and shut-off valve.
Methodology: Water-pipe decay is modeled with an exponential-decay bathtub curve from Census ACS housing age, EPA ECHO compliance records, and EPA infrastructure-needs data. Bridge condition is from the FHWA National Bridge Inventory; gas-pipeline incidents from PHMSA; the 90-day disruption estimate from EPA and FEMA data. The stress score is a weighted composite of these four signals.
All figures are modeled estimates from public federal data. They are not engineering assessments, predictions of failure, or a judgment about any specific structure or utility.
HVAC System Health for 37408
Lower electricity rates in Tennessee (13.10¢/kWh) help offset HVAC costs, but an aging system still wastes energy. Modern high-efficiency systems can reduce consumption by 20–40%.
Seasonal HVAC Tips for Tennessee
- Schedule furnace tune-up before first cold snap
- Replace air filter (every 1–3 months)
- Check thermostat calibration
- Clean AC condenser coils and clear debris
- Test AC before peak season
- Check refrigerant levels (professional tech only)
Common HVAC Issues for 2002-Era Homes
- Aging compressor — most compressors last 12–15 years; may need replacement soon
- Duct leaks — connections loosen over time, wasting 20–30% of conditioned air
- Lower SEER rating — systems from 2000s are typically 10–13 SEER vs. today's 15–20+ SEER
- Thermostat upgrades — older thermostats lack programming features that save 10–15% on energy
The Department of Energy requires all NEW furnaces manufactured after December 18, 2028 to meet 95% AFUE (condensing furnaces). Current standard is 80% AFUE.
What this means for you:
- 80% AFUE non-condensing furnaces will no longer be available for purchase
- Condensing furnaces require PVC venting (additional $1,500–$2,500 for retrofit)
- If the furnace is approaching end of life, consider replacing before the deadline to potentially save on installation costs
- Your existing furnace can continue operating — this applies only to NEW equipment
HVAC Questions for 37408
How do I know if my HVAC system needs replacement?
Key signs include: the system is over 15 years old, frequent repairs (more than 2 per year), uneven heating/cooling between rooms, rising energy bills despite normal use, and unusual noises or odors. Based on census data, the median home in 37408 was built in 2002, putting the estimated HVAC system age at ~7 years.
What SEER rating should I look for in a new HVAC system?
As of 2023, the federal minimum is SEER2 15 for central AC in the southern U.S. and SEER2 14 in the north. For Tennessee, look for at least SEER 16–18 for good efficiency. Higher SEER ratings (20+) cost more upfront but save more in areas with high electricity rates. ENERGY STAR certified units are a reliable starting point.
How much does HVAC replacement cost in Tennessee?
A full HVAC replacement (furnace + AC) typically ranges from $5,000–$12,000 depending on system size, efficiency rating, and ductwork condition. Heat pump systems range from $4,000–$10,000. Federal tax credits (25C) cover up to 30% of the cost for qualifying heat pumps and high-efficiency systems. Check our rebates page for Tennessee-specific incentives.
What refrigerant does my AC use and why does it matter?
If your AC was installed before 2010, it likely uses R-22, which was banned in 2020 and now costs $50–$150/lb. Systems from 2010–2024 typically use R-410A, which is being phased down (AIM Act 2025). New systems use R-454B or R-32. When your current system needs major repair, the refrigerant type significantly affects whether repair or replacement makes more economic sense.
Should I replace my furnace before the 2028 efficiency deadline?
If the furnace in a home is over 15 years old and the area has a cold/moderate climate, planning ahead is wise. After December 2028, only 95% AFUE condensing furnaces will be available. These require PVC venting — retrofitting an older home for PVC can cost $1,500–$2,500 on top of the furnace price. Replacing before the deadline with a standard 80% AFUE unit may be more cost-effective if the venting isn't PVC-ready.
HVAC age estimate based on U.S. Census ACS housing vintage data and a 17-year replacement cycle. Actual system age varies by home.
Appliance Age Estimates for 37408
Median home built in 2002 (~24 years old). Appliance ages estimated from typical replacement cycles.
1 appliance likely is near or past typical replacement age.
How Water Quality Affects Appliance Lifespan
Water conditions in Chattanooga directly impact how long your appliances last.
Homes built before 2006 likely need water heater and garbage disposal replacement if not already done.
Appliance Maintenance FAQ
How often should I flush my water heater?
Flush your tank water heater at least once a year to remove sediment buildup. In areas with hard water, every 6 months is recommended. Sediment reduces heating efficiency and accelerates tank corrosion, shortening lifespan by 2–4 years.
When should I replace my dishwasher vs. repair it?
If your dishwasher is over 9 years old and the repair costs more than 50% of a new unit, replacement is generally more cost-effective. Common signs: dishes not getting clean, water pooling after cycles, or rust spots on the interior.
Does a water softener really extend appliance life?
Yes. A water softener can extend water heater lifespan by up to 30% and reduce dishwasher and washing machine maintenance by preventing mineral scale buildup on heating elements, valves, and spray arms. The Battelle Memorial Institute found that softened water kept water heaters at original factory efficiency over a 15-year period.
Estimates based on U.S. Census housing vintage data and manufacturer-average replacement cycles. Actual appliance age depends on renovation history and maintenance.
Electrical Safety for 37408
Median home built in 2002 (~24 years old).
Common Electrical Issues for 2002-Era Homes
- Circuit overloading — even newer homes can have overloaded circuits from additional electronics and smart home devices
- GFCI/AFCI maintenance — test GFCI and AFCI outlets monthly; they can fail silently over time
- Panel upgrades for EV — Level 2 EV chargers require a dedicated 40–50 amp circuit; panel may need upgrade
- Surge protection — whole-home surge protectors protect sensitive electronics from power surges and lightning
⚠️ Insurance Compliance Alert
21% of homes in 37408 were built before 1986 — the era when Federal Pacific (FPE StabLok), Zinsco, and Challenger electrical panels were commonly installed.
These panels have a documented 60%+ breaker failure rate and are refused by major insurance companies including State Farm, Allstate, and Citizens (FL).
If you receive an insurance non-renewal notice or 4-point inspection failure:
- Typical deadline: 30 days to replace panel
- Replacement cost: $1,500–$4,000
- Failure to replace: insurance cancellation → mortgage default risk
Insurance blacklist: State Farm, Farmers, Allstate, USAA, Mercury, Citizens (FL), Nationwide.
When to Call an Electrician
- Burning smell from outlets or panel
- Frequent breaker trips
- Sparking or discolored outlets
- Buzzing sounds from wiring or panel
- Before buying a home (especially pre-1980)
- After any water damage or flooding
- Before adding major appliances or EV charger
- If your panel is 25+ years old
Electrical Safety Tips
- Never use a fuse with a higher amperage rating than the circuit is designed for
- Label all breakers clearly in your electrical panel
- Keep 3 feet of clearance in front of your electrical panel
- Test GFCI outlets monthly using the built-in test button
- Replace any cracked or warm outlet covers immediately
- Do not daisy-chain power strips or extension cords
Electrical Safety Questions for 37408
How do I know if my electrical panel needs an upgrade?
Key signs include: frequent breaker trips, a panel over 25 years old, fuses instead of circuit breakers, visible rust or corrosion, and a panel rated below 200 amps if you have modern appliances, HVAC, or an EV charger. Based on census data, the median home in 37408 was built in 2002.
How much does an electrical panel upgrade cost?
A panel upgrade from 100 to 200 amps typically costs $1,500–$4,000 depending on your location and the complexity of the work. If the meter base or service entrance also needs replacement, costs can reach $4,000–$6,000. Rewiring a full home (common in pre-1960 homes) ranges from $8,000–$15,000+ depending on size and accessibility.
Is aluminum wiring dangerous?
Aluminum wiring itself is not inherently dangerous, but connections between aluminum wiring and copper devices (outlets, switches) can overheat due to differential thermal expansion. The Consumer Product Safety Commission (CPSC) found that homes with aluminum wiring are 55 times more likely to have fire-hazard conditions. If your home has aluminum wiring, a qualified electrician can install COPALUM or AlumiConn connectors to make connections safe.
Is my home likely to have a Federal Pacific or Zinsco panel?
These panels were installed primarily between 1960 and 1985. Based on census data, 21% of homes in 37408 were built during this era. If your home was built in this period and the panel has never been replaced, there is a meaningful chance it contains an FPE StabLok or Zinsco panel. Look for the brand name on your breaker panel door.
Electrical risk assessment based on U.S. Census ACS housing vintage data. Actual wiring and panel condition varies by home and renovation history.
CO & Gas Safety Profile
CO & Gas Safety Tips
- Install CO detectors on every level of your home and near sleeping areas. Replace batteries annually and units every 5-7 years.
- Know gas leak signs: rotten egg smell, hissing sounds near gas lines, dead vegetation near pipelines, bubbling in standing water.
- Annual inspection: have a licensed technician inspect gas appliances (furnace, water heater, stove) every year.
- Emergency: if you smell gas, leave immediately, do not use electrical switches, and call 911 or your gas company from outside.
Protect Your Home from Carbon Monoxide
The CPSC recommends a CO detector on every level. Battery-operated models start at $20. Smart detectors with app alerts start at $35.
Product link may earn a commission — see our disclosure.
Remodeling Permit Requirements in Tennessee
✓ Limited EnforcementStructural, electrical, plumbing, mechanical in municipalities. No statewide residential code for unincorporated areas.
Fines up to $500/day, stop-work orders
Why This Matters
- Unpermitted work can reduce your home's appraised value by 10–20% and complicate or block a sale entirely.
- Homeowner insurance may deny claims for damage caused by or related to unpermitted renovations.
- Buyers' lenders may require proof of permits before approving a mortgage, especially for kitchens, bathrooms, and structural changes.
- Unpermitted electrical and plumbing work is a leading cause of house fires and water damage — permits exist to ensure safety inspections.
- If you are planning remodeling work in Tennessee, contact your local building department before starting any project that alters structure, electrical, plumbing, or mechanical systems.
Remodeling Permit Questions for 37408
What remodeling work requires a permit in Tennessee?
In Tennessee, permits are generally required for any work that alters the structure, electrical wiring, plumbing, or mechanical systems of a home. This includes kitchen and bathroom renovations involving plumbing or electrical changes, wall removal, room additions, window enlargements, re-roofing, and HVAC replacement. Purely cosmetic work — painting, flooring, cabinet refacing without plumbing changes — typically does not require a permit. Always check with your local building department, as municipal requirements may be stricter than state minimums.
What happens if I remodel without a permit in Tennessee?
Working without a required permit in Tennessee can result in Fines up to $500/day, stop-work orders. Beyond legal penalties, unpermitted work creates problems when selling: buyers' home inspectors and appraisers flag unpermitted additions, lenders may refuse financing, and title companies may require permits to be obtained retroactively — often at 2–3 times the original permit fee. In serious cases, you may be required to open walls for inspection or demolish non-compliant work.
How much does a remodeling permit cost in Tennessee?
Remodeling permit fees in Tennessee typically range from $75 to $1500, depending on the scope and value of the project. Most jurisdictions calculate fees as a percentage of the project's estimated construction cost (usually 1–2%) or use a flat fee schedule based on project type. Electrical and plumbing sub-permits may be billed separately. Contact your local building department for an exact fee quote before starting work.
Permit requirements based on Tennessee building codes and ICC adoption data. Costs reflect typical municipal fee schedules and may vary by jurisdiction, project scope, and valuation. This information is for general guidance only — contact your local building department for requirements specific to your project.
Cost & Community (5) OK
True Cost of Ownership
How this ZIP compares
Where the estimate comes from
5-year equipment outlook
No major equipment is flagged for likely replacement within five years.
What this means
- This is a modeled estimate of how much more — or less — a household here may spend each year on risk-related costs such as insurance, mitigation, testing, and maintenance, compared with a typical US ZIP.
- It is a comparison figure for context, not a bill, a quote, or financial advice.
- The 5-year equipment ranges above are separate one-time replacements, not part of the annual figure.
Methodology: Each of 13 risk verticals is assigned a dollar figure from public federal data; the total is the modeled annual difference from a median-risk US ZIP. The 5-year equipment outlook flags major home equipment whose estimated age is within five years of its typical service life; figures are national-average installed-cost ranges.
Estimates are modeled from public federal data. They are not quotes, prices, or financial or insurance advice.
Tax Burden in Tennessee
State tax rates affect cost of ownership. Here's how Tennessee compares to national averages.
No state income tax; highest state sales tax rate
Source: Tax Foundation 2024. Income tax = top marginal rate. Sales tax = state + avg local. Property tax = effective rate on home value.
Energy Costs in Tennessee
Residential electricity rate: 13.10¢/kWh — 23% below the national average (national avg: 17.0¢/kWh · EIA, December 2025)
Tennessee Energy Mix
Source: EIA Form 923, 2025 data. Renewable = solar + wind + hydro + geothermal.
Electric Utility for 37408
Source: U.S. Energy Information Administration, Form EIA-861 (2024 data). EIA ID: 3408.
Home Energy Audit for 37408
The Inflation Reduction Act provides up to $8,000 in rebates and $3,200 in annual tax credits for home energy upgrades — but many provisions phase down or expire after 2032. A professional energy audit is the first step to qualifying for these incentives.
What a Home Energy Audit Covers
- Insulation levels in attic, walls, and basement
- Air leaks around windows, doors, and ducts
- Blower door test (measures total air leakage)
- HVAC efficiency and age assessment
- Water heater type and condition
- Lighting and appliance energy use
- Carbon monoxide and combustion safety
- Moisture and ventilation assessment
- Gas leak detection
- Prioritized list of recommended upgrades
- Estimated cost and savings for each upgrade
- Rebate and tax credit eligibility report
- The average home energy audit identifies $200–$400/year in savings (DOE)
- Properly sealed and insulated homes save 15% on heating and cooling costs (DOE)
- Heat pump upgrades can reduce heating costs by 30–50% compared to electric resistance
- ENERGY STAR certified windows save $101–$583/year compared to single-pane windows
- Weatherization assistance programs are available for income-qualifying households
City of Chattanooga - (TN) (Municipal) serves 37408. Your local residential rate is 12.3¢/kWh , which is below the national average — but efficiency upgrades still pay for themselves over time . Many utilities offer additional rebates on top of federal IRA incentives — ask your energy auditor about programs from City of Chattanooga - (TN).
Under the Inflation Reduction Act. Income limits apply for HEEHRA rebates. Tax credits require tax liability. IRS details →
To claim the $150 federal tax credit, your energy audit must meet DOE standards (10 CFR 440.21) and be performed by a qualified auditor. A DOE-compliant audit includes:
- Blower door test to measure air infiltration
- Infrared thermography to identify insulation gaps
- Combustion safety testing for gas appliances
- Written report with prioritized, cost-effective upgrade recommendations
Energy Audit Questions for 37408
How much does a home energy audit cost?
A professional home energy audit typically costs $150–$400 depending on the size of your home and the depth of testing. The Inflation Reduction Act provides a $150 tax credit for qualifying audits performed by a certified auditor, effectively covering a significant portion of the audit cost. Some utilities also subsidize audits for their customers — check with City of Chattanooga - (TN) for local programs.
What is the difference between an energy audit and a home inspection?
A home inspection (done during a home sale) evaluates structural and safety conditions. An energy audit specifically measures how your home uses energy and identifies efficiency improvements. Energy audits use specialized tools like blower doors, infrared cameras, and duct blasters that are not part of a standard home inspection. The audit produces a prioritized list of upgrades with estimated costs and savings.
How much can I save after an energy audit?
According to the U.S. Department of Energy, the average audit identifies $200–$400/year in savings. Actual savings depend on your home's age, current insulation, HVAC efficiency, and local energy rates. At current rates in Tennessee, the average home spends approximately $1,376/year on electricity — a 15–25% reduction through audit-recommended upgrades could save $206–$344 annually.
What rebates and tax credits are available for energy upgrades?
The Inflation Reduction Act (IRA) provides two types of incentives: (1) Tax credits up to $3,200/year for heat pumps ($2,000), insulation ($1,600), windows ($600), and the audit itself ($150); and (2) HEEHRA rebates for income-qualifying households — up to $8,000 for heat pumps, $1,600 for insulation, $2,500 for electrical panels, and $840 for heat pump dryers. Solar panels qualify for a separate 30% tax credit through 2032.
Do I need an energy audit before installing solar panels?
An energy audit is not legally required before installing solar, but the DOE strongly recommends it. Reducing your home's energy consumption before adding solar means you need a smaller (cheaper) system to cover your needs. An audit typically identifies 15–30% in energy reductions through insulation, air sealing, and HVAC improvements — which directly reduces the size and cost of a solar installation.
How long does a home energy audit take?
A comprehensive energy audit takes 2–4 hours for a typical single-family home. The auditor will inspect the attic, basement, walls, windows, HVAC system, water heater, and ductwork. Diagnostic tests (blower door, infrared scan) add precision to the findings. You will receive a written report within 1–2 weeks with prioritized recommendations and estimated costs.
Source: U.S. Energy Information Administration (EIA), U.S. Department of Energy (DOE), Inflation Reduction Act of 2022 (P.L. 117-169).
Safety Updates for Chattanooga, Tennessee
Violations & Enforcement Timeline
Recent Product Recalls
Recent CPSC recalls for plumbing and HVAC products that may affect homes in your area.
Superbobi 7 3/8 Inch Pool Drain Covers
Shenzhen Jiangtou Technology Co. · 2026-05-14
Electric Kettles (ENFINIGY 1.5 l and ENFINIGY Pro 1.5 l)
ZWILLING J. A. Henckels Aktiengesellschaft · 2026-05-14
Electric Start Pressure Washers
Generac Power Systems Expands · 2026-05-14
1-K Kerosene Heater Fluid Portable Fuel Containers
Alliance Chemical · 2026-04-30
Protect Your Home in Chattanooga
Based on local data for ZIP 37408, these services may benefit homeowners in your area.
Based on local data for your area. Use the tools below to explore your options.
Home & Flood Insurance
Chattanooga has 11 FEMA flood claims on record. Standard homeowner policies don't cover flood damage — make sure you're protected.
Typical cost: Flood insurance: typically $700–$1,500/year in flood-prone areas
Check Your Flood Zone (Free)FEMA flood map lookup — see if your property is in a flood zone
Free tip: Check your FEMA flood zone at msc.fema.gov (free lookup)
Service recommendations are based on public data for this ZIP code (FEMA, Census ACS, NWS). Actual needs vary by property. By calling, your information will be shared with an independent service provider. ZipCheckup may receive compensation. Cost estimates are approximate and vary by property, condition, and contractor.
Take Action
Concerned about these findings? Contact your local elected officials to ask what is being done about water quality in your area.
Email Your RepresentativeDon't know who to contact? Find your local representative at usa.gov/elected-officials
Frequently Asked Questions
Is the tap water in 37408 safe to drink?
Based on EPA SDWIS data, Chattanooga's primary water system (Tennessee American Water) has 3 recorded violations in the past 5 years, including 0 health-based. Check the full report above for details.
Where does 37408's water come from?
The primary water source for ZIP code 37408 is Surface water. Tennessee American Water serves approximately 211,499 people.
How can I get my water tested in Chattanooga?
Contact your local water utility (Tennessee American Water) for a free Consumer Confidence Report, or hire a certified lab for independent home water testing. The EPA recommends annual testing if you use a private well.
Is lead a concern in 37408 tap water?
The most recent lead sampling for 37408 recorded 0.001 mg/L. The EPA action level is 0.015 mg/L. This result is below the EPA action level.
What is the radon risk for 37408?
37408 falls in EPA Radon Zone 2 (Moderate risk), located in Hamilton County. Zone 1 indicates the highest radon potential. Testing your home is recommended regardless of zone.
Are there PFAS (forever chemicals) in 37408's water?
Yes, PFAS contamination has been detected in water systems serving 37408. Reverse osmosis and activated carbon filters certified NSF/ANSI 53 or 58 are the most effective at reducing PFAS.
What contaminants were found in ZIP 37408 water?
According to the most recent Consumer Confidence Report, 9 contaminants were detected. The top contaminants include TTHM (48.1 ppb). See the full water quality breakdown above.
Are there flood risks in ZIP 37408?
Yes. FEMA records show 11 flood insurance claims filed in ZIP code 37408, with the dominant flood zone being C. Review FEMA flood maps for your specific property.
Nearby ZIP Code Reports
Water quality comparison for ZIP codes near 37408
| ZIP Code | City, State | Distance | Grade | Violations |
|---|---|---|---|---|
| 37401 | Chattanooga, TN | 1.1 mi | B | 3 |
| 37414 | Chattanooga, TN | 1.1 mi | B | 3 |
| 37422 | Chattanooga, TN | 1.1 mi | B | 3 |
| 37424 | Chattanooga, TN | 1.1 mi | B | 3 |
| 37450 | Chattanooga, TN | 1.1 mi | B | 3 |
| 37403 | Chattanooga, TN | 1.2 mi | B | 3 |
| 37402 | Chattanooga, TN | 1.3 mi | B | 3 |
| 37410 | Chattanooga, TN | 1.9 mi | B | 3 |
| 37404 | Chattanooga, TN | 2.0 mi | C | 3 |
| 37407 | Chattanooga, TN | 2.2 mi | B | 3 |
Nearby ZIP Code Reports
2026 Rankings for Your Area
Contaminants Detected in 37408
Learn more about the contaminants found in your water supply:
Overall safety breakdown
Home Safety Score →Find the right water filter
Water Filter Matcher →Compare filters, tests & services
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