🌍 ClimateRiskCheck

Natural Disaster Risk in Dayton

Kentucky

5.8out of 10
Moderate Risk

Risk Summary for Dayton

Dayton scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Lightning Landslide

All 18 Hazard Scores

Tornado
8.2
Lightning
8.1
Landslide
7.6
Cold Wave
7.5
Ice Storm
7.3
Earthquake
7.2
Extreme Heat
7.2
Strong Wind
7.0
Winter Weather
6.0
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Hurricane
4.0
Hail
3.9
Drought
2.7
Wildfire
2.5
Riverine Flooding
1.0

How it compares

Dayton
5.8
Kentucky avg.
5.5
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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: Dayton, Kentucky

Dayton, in Campbell County, is a town of roughly 5,756 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 Dayton residents and property owners must navigate.

Dayton's overall natural disaster risk is rated 5.8/10 (Moderate) by FEMA's National Risk Index. The area faces significant tornado risk, positioned where atmospheric conditions regularly generate severe rotating thunderstorms capable of producing violent tornadoes. Secondary hazards include lightning and landslide.

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

Dayton'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 tornado exposure is adequately protected is a worthwhile step for property owners.

What this means for Dayton: Tornado preparedness

  • 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.
  • Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.

Local Factors for Dayton

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

Population

5,756

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.1Β°

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: 2.5/10

Coordinates

39.1102Β° N, 84.4607Β° W

Campbell 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 Dayton

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Dayton

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.