🌍 ClimateRiskCheck

Natural Disaster Risk in Carrollton

Kentucky

4.1out of 10
Moderate Risk

Risk Summary for Carrollton

Carrollton scores 4.1/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Strong Wind Tsunami

All 18 Hazard Scores

Tornado
6.3
Strong Wind
6.2
Tsunami
5.4
Volcanic Activity
5.1
Ice Storm
5.0
Coastal Flooding
4.9
Avalanche
4.5
Landslide
4.4
Earthquake
4.3
Hurricane
4.2
Lightning
3.6
Extreme Heat
3.3
Cold Wave
3.3
Drought
2.8
Winter Weather
2.5
Hail
2.2
Wildfire
1.5
Riverine Flooding
1.0

How it compares

Carrollton
4.1
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: Carrollton, Kentucky

Located in the interior eastern United States in Carroll County, Carrollton is a town of roughly 7,698 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 Carrollton a community where hazard awareness has real practical value.

FEMA rates Carrollton's composite natural disaster risk at 4.1 out of 10 β€” moderate risk. Tornado activity is the top natural hazard risk, with the region lying in a corridor where warm, moist air frequently clashes with dry, cool air masses to spawn severe supercell thunderstorms. Residents should also account for wind and tsunami risk in their preparedness planning.

Relative to other U.S. communities, Carrollton'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 tornado and wind, as measured by FEMA across Carroll County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Carrollton residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for tornado is recommended.

What this means for Carrollton: Tornado preparedness

  • Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
  • Review whether your insurance covers wind and debris damage, and document belongings in advance.
  • Identify the safest interior room on the lowest floor β€” away from windows β€” as your shelter.

Local Factors for Carrollton

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

Population

7,698

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.7Β°

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: 1.5/10

Coordinates

38.6565Β° N, 85.1687Β° W

Carroll 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 Carrollton

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Carrollton

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.