Natural Disaster Risk in Guthrie
Kentucky
Risk Summary for Guthrie
Guthrie scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Guthrie, Kentucky
Guthrie is a small community of about 2,487 in Todd 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 Guthrie.
FEMA rates Guthrie's composite natural disaster risk at 5.2 out of 10 — moderate risk. Freezing rain and ice accretion are the primary winter hazard, with glaze ice events capable of downing power lines, snapping tree limbs, and making roads impassable for days. Residents should also account for earthquake and hail risk in their preparedness planning.
Guthrie'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 Todd County, the highest-scoring are ice storm, earthquake, and hail. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Guthrie residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for ice storm is recommended.
What this means for Guthrie: Ice Storm preparedness
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
- Keep walkways treated and avoid travel during freezing-rain events.
- Have a backup heat source and charged devices ready before winter storms arrive.
Local Factors for Guthrie
These city-level factors differentiate Guthrie from other communities in Todd County and provide geographic context for its hazard exposure.
Population
2,487
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.5/10
Coordinates
36.7066° N, 87.1760° W
Todd 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 Guthrie
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Guthrie
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.