🌍 ClimateRiskCheck

Natural Disaster Risk in McCreary County

Kentucky

6.2out of 10
High Risk

Risk Summary for McCreary County

McCreary County scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Avalanche Winter Weather

All 18 Hazard Scores

Landslide
9.2
Avalanche
8.7
Winter Weather
8.1
Wildfire
7.7
Cold Wave
7.1
Hurricane
6.6
Earthquake
6.5
Strong Wind
6.4
Lightning
6.1
Hail
6.0
Tornado
5.5
Tsunami
5.4
Extreme Heat
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Ice Storm
4.1
Drought
2.7
Riverine Flooding
1.0

How it compares

McCreary County
6.2
Kentucky avg.
5.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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: McCreary County, Kentucky

McCreary County, in the United States in Kentucky, is characterized by its humid subtropical climate β€” hot, humid summers and cold winters with ice storm risk. The county faces recurring winter ice storm events, and its FEMA risk assessment establishes the hazard baseline shared by all the towns and cities it contains.

McCreary County's overall natural disaster risk is rated 6.2/10 (High) by FEMA's National Risk Index. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Secondary hazards include avalanche and winter.

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

With a high natural disaster risk rating, McCreary County residents benefit from taking preparedness seriously. Reviewing insurance coverage for landslide 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 McCreary County: 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.

Cities in McCreary County

ZIP codes in McCreary County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.