🌍 ClimateRiskCheck

Natural Disaster Risk in Berea

Kentucky

7.1out of 10
High Risk

Risk Summary for Berea

Berea scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Strong Wind Winter Weather

All 18 Hazard Scores

Lightning
9.5
Strong Wind
9.0
Winter Weather
8.8
Tornado
8.7
Avalanche
8.6
Cold Wave
8.6
Hail
8.5
Earthquake
8.0
Ice Storm
7.7
Hurricane
6.7
Extreme Heat
6.6
Wildfire
5.8
Landslide
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
3.1
Riverine Flooding
1.0

How it compares

Berea
7.1
Kentucky avg.
5.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Berea, Kentucky

Berea, in Madison County, is a city of approximately 27,607 residents situated in the interior eastern United States. Its humid subtropical climate brings hot, humid summers and cold winters with ice storm risk, and in particular recurring winter ice storm events. These conditions collectively define the natural hazard environment that Berea residents and property owners must navigate.

According to FEMA's National Risk Index, Berea carries an overall risk score of 7.1/10, placing it in the high category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to wind and winter.

Within Kentucky, Berea's risk is, considerably above the 5.5/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Madison County identifies lightning as the foremost hazard, followed by wind and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Berea residents benefit from taking preparedness seriously. Reviewing insurance coverage for lightning and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Berea: Lightning preparedness

  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.

Local Factors for Berea

These city-level factors differentiate Berea from other communities in Madison County and provide geographic context for its hazard exposure.

Population

27,607

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 37.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.8/10

Coordinates

37.5705Β° N, 84.2662Β° W

Madison County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Berea

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Berea

Other cities in Kentucky

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.