Natural Disaster Risk in Custer
Kentucky
Risk Summary for Custer
Custer scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Custer, Kentucky
Located in the interior eastern United States in Breckinridge County, Custer is a small community of about 1,012. 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 Custer a community where hazard awareness has real practical value.
FEMA rates Custer's composite natural disaster risk at 5.5 out of 10 β moderate risk. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. Residents should also account for ice storm and earthquake risk in their preparedness planning.
Relative to other U.S. communities, Custer's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.5/10 state average. The hazard distribution here is led by hail and ice storm, as measured by FEMA across Breckinridge County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Custer 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 hail is recommended.
What this means for Custer: Hail preparedness
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
Local Factors for Custer
These city-level factors differentiate Custer from other communities in Breckinridge County and provide geographic context for its hazard exposure.
Population
1,012
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.7Β°
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: 2.2/10
Coordinates
37.7378Β° N, 86.2271Β° W
Breckinridge 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 Custer
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Custer
Other cities in Kentucky
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.