Natural Disaster Risk in Marshall County
Kentucky
Risk Summary for Marshall County
Marshall County scores 6.7/10 (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: Marshall County, Kentucky
Marshall County is located in the United States in Kentucky, home to roughly 31,629 residents. The county experiences hot, humid summers and cold winters with ice storm risk, with recurring winter ice storm events shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.
FEMA rates Marshall County's composite natural disaster risk at 6.7 out of 10 — high risk. The area's position within a seismically active region makes earthquake preparedness a top priority for residents and property owners alike. Residents should also account for ice storm and wind risk in their preparedness planning.
Marshall County's risk score, slightly above the 5.5/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Marshall County, the highest-scoring are earthquake, ice storm, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, Marshall County residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Marshall County: Earthquake preparedness
- 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.
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
Cities in Marshall County
ZIP codes in Marshall County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.