🌍 ClimateRiskCheck

Natural Disaster Risk in Marrowbone

Kentucky

4.5out of 10
Moderate Risk

Risk Summary for Marrowbone

Marrowbone scores 4.5/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Hurricane Tsunami

All 18 Hazard Scores

Landslide
6.3
Hurricane
5.7
Tsunami
5.4
Hail
5.2
Volcanic Activity
5.1
Cold Wave
5.1
Coastal Flooding
4.9
Winter Weather
4.7
Earthquake
4.6
Tornado
4.6
Avalanche
4.5
Ice Storm
4.4
Lightning
3.7
Strong Wind
3.6
Drought
3.6
Extreme Heat
3.2
Wildfire
1.8
Riverine Flooding
1.0

How it compares

Marrowbone
4.5
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: Marrowbone, Kentucky

Marrowbone, in Cumberland County, is a small unincorporated community 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 Marrowbone residents and property owners must navigate.

According to FEMA's National Risk Index, Marrowbone carries an overall risk score of 4.5/10, placing it in the moderate category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to hurricane and tsunami.

Within Kentucky, Marrowbone's risk is, slightly below the 5.5/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Cumberland County identifies landslide as the foremost hazard, followed by hurricane and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Marrowbone 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 landslide is recommended.

What this means for Marrowbone: Landslide preparedness

  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.

Local Factors for Marrowbone

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

Population

15

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.8Β°

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: 1.8/10

Coordinates

36.8291Β° N, 85.5133Β° W

Cumberland 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 Marrowbone

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Marrowbone

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.