Natural Disaster Risk in Clearfield

Natural Hazard Profile: Clearfield, Kentucky

Clearfield is a town of roughly 2,832 residents in Rowan County, in the interior eastern United States. The area experiences hot, humid summers and cold winters with ice storm risk, with recurring winter ice storm events shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Clearfield.

FEMA rates Clearfield's composite natural disaster risk at 5.7 out of 10 — moderate risk. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Residents should also account for avalanche and lightning risk in their preparedness planning.

Clearfield's risk score, near the 5.5/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Rowan County, the highest-scoring are landslide, avalanche, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Clearfield'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.