Natural Disaster Risk in Fort Campbell
Kentucky
Risk Summary for Fort Campbell
Fort Campbell scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Fort Campbell, Kentucky
Fort Campbell, in Montgomery County, is a city of approximately 19,006 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 Fort Campbell residents and property owners must navigate.
Fort Campbell's overall natural disaster risk is rated 7.1/10 (High) by FEMA's National Risk Index. The area's position within a seismically active region makes earthquake preparedness a top priority for residents and property owners alike. Secondary hazards include cold wave and ice storm.
Within Kentucky, Fort Campbell's risk is, slightly above the 5.8/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Montgomery County identifies earthquake as the foremost hazard, followed by cold wave and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Fort Campbell's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Fort Campbell: Earthquake preparedness
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
Local Factors for Fort Campbell
These city-level factors differentiate Fort Campbell from other communities in Montgomery County and provide geographic context for its hazard exposure.
Population
19,006
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.7/10
Coordinates
36.6381° N, 87.4726° W
Montgomery 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 Fort Campbell
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Fort Campbell
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.