🌍 ClimateRiskCheck

Natural Disaster Risk in Carlisle

Kentucky

4.3out of 10
Moderate Risk

Risk Summary for Carlisle

Carlisle scores 4.3/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Strong Wind Hurricane

All 18 Hazard Scores

Landslide
6.1
Strong Wind
5.5
Hurricane
5.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Earthquake
4.6
Avalanche
4.5
Tornado
4.4
Lightning
4.2
Winter Weather
4.0
Ice Storm
3.9
Hail
3.5
Drought
3.5
Extreme Heat
3.4
Cold Wave
2.9
Wildfire
1.4
Riverine Flooding
1.0

How it compares

Carlisle
4.3
Kentucky avg.
5.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

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

Natural Hazard Profile: Carlisle, Kentucky

Located in the interior eastern United States in Nicholas County, Carlisle is a town of roughly 7,672 residents. The humid subtropical climate that characterizes this part of Kentucky β€” marked by hot, humid summers and cold winters with ice storm risk β€” directly influences the types and severity of natural hazards present, making Carlisle a community where hazard awareness has real practical value.

FEMA rates Carlisle's composite natural disaster risk at 4.3 out of 10 β€” moderate risk. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. Residents should also account for wind and hurricane risk in their preparedness planning.

Relative to other U.S. communities, Carlisle's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.5/10 state average. The hazard distribution here is led by landslide and wind, as measured by FEMA across Nicholas County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Carlisle's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that landslide exposure is adequately protected is a worthwhile step for property owners.

What this means for Carlisle: Landslide preparedness

  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.

Local Factors for Carlisle

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

Population

7,672

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 1.4/10

Coordinates

38.3241Β° N, 84.0226Β° W

Nicholas 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 Carlisle

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Carlisle

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.