🌍 ClimateRiskCheck

Natural Disaster Risk in Harned

Kentucky

5.5out of 10
Moderate Risk

Risk Summary for Harned

Harned scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Ice Storm Earthquake

All 18 Hazard Scores

Hail
8.1
Ice Storm
8.1
Earthquake
7.2
Strong Wind
7.1
Tornado
6.7
Landslide
5.7
Hurricane
5.4
Extreme Heat
5.4
Tsunami
5.4
Winter Weather
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Cold Wave
4.6
Drought
4.5
Avalanche
4.5
Lightning
3.7
Wildfire
2.2
Riverine Flooding
1.0

How it compares

Harned
5.5
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: Harned, Kentucky

Located in the interior eastern United States in Breckinridge County, Harned is a small community of about 1,930. The humid subtropical climate that characterizes this part of Kentucky β€” marked by hot, humid summers and cold winters with ice storm risk β€” directly influences the types and severity of natural hazards present, making Harned a community where hazard awareness has real practical value.

FEMA rates Harned's composite natural disaster risk at 5.5 out of 10 β€” moderate risk. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. Residents should also account for ice storm and earthquake risk in their preparedness planning.

Relative to other U.S. communities, Harned's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.5/10 state average. The hazard distribution here is led by hail and ice storm, as measured by FEMA across Breckinridge County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Harned 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 Harned: Hail preparedness

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

Local Factors for Harned

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

Population

1,930

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 37.8Β°

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

37.7590Β° N, 86.3773Β° W

Breckinridge 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 Harned

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Harned

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.