🌍 ClimateRiskCheck

Natural Disaster Risk in Gamaliel

Kentucky

5.4out of 10
Moderate Risk

Risk Summary for Gamaliel

Gamaliel scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Earthquake Hurricane

All 18 Hazard Scores

Hail
8.0
Earthquake
6.8
Hurricane
6.2
Ice Storm
6.0
Tornado
5.9
Strong Wind
5.9
Winter Weather
5.9
Cold Wave
5.7
Landslide
5.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
4.8
Lightning
4.7
Avalanche
4.5
Extreme Heat
4.1
Wildfire
2.2
Riverine Flooding
1.0

How it compares

Gamaliel
5.4
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: Gamaliel, Kentucky

Gamaliel is a small community of about 1,367 in Monroe 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 Gamaliel.

FEMA rates Gamaliel's composite natural disaster risk at 5.4 out of 10 β€” moderate risk. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Residents should also account for earthquake and hurricane risk in their preparedness planning.

Gamaliel'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 Monroe County, the highest-scoring are hail, earthquake, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Gamaliel 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 Gamaliel: Hail preparedness

  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • 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.

Local Factors for Gamaliel

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

Population

1,367

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.7Β°

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

36.6555Β° N, 85.8311Β° W

Monroe 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 Gamaliel

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Gamaliel

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.