🌍 ClimateRiskCheck

Natural Disaster Risk in Estill County

Kentucky

5.1out of 10
Moderate Risk

Risk Summary for Estill County

Estill County scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Winter Weather Landslide

All 18 Hazard Scores

Avalanche
9.1
Winter Weather
6.4
Landslide
5.8
Strong Wind
5.4
Tsunami
5.4
Wildfire
5.2
Hurricane
5.2
Volcanic Activity
5.1
Lightning
5.0
Hail
4.9
Coastal Flooding
4.9
Cold Wave
4.8
Tornado
4.6
Earthquake
4.3
Extreme Heat
4.3
Ice Storm
4.2
Drought
2.7
Riverine Flooding
1.0

How it compares

Estill County
5.1
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: Estill County, Kentucky

Estill County is located in the United States in Kentucky, home to roughly 14,163 residents. The county experiences hot, humid summers and cold winters with ice storm risk, with recurring winter ice storm events shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

According to FEMA's National Risk Index, Estill County carries an overall risk score of 5.1/10, placing it in the moderate category. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. The area also faces notable exposure to winter and landslide.

Estill County's risk score, slightly below 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 Estill County, the highest-scoring are avalanche, winter, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Estill County 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 avalanche is recommended.

What this means for Estill County: Avalanche preparedness

  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.
  • Properties in runout zones may require specialized hazard assessment and insurance.

Cities in Estill County

ZIP codes in Estill County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.