Natural Disaster Risk in Melber
Kentucky
Risk Summary for Melber
Melber scores 7.1/10 (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: Melber, Kentucky
Melber, in Graves County, is a small community of about 1,214 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 Melber residents and property owners must navigate.
Melber's overall natural disaster risk is rated 7.1/10 (High) by FEMA's National Risk Index. The area's position within a seismically active region makes earthquake preparedness a top priority for residents and property owners alike. Secondary hazards include ice storm and wind.
Within Kentucky, Melber's risk is, considerably above the 5.5/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Graves County identifies earthquake as the foremost hazard, followed by ice storm and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Melber 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 Melber: Earthquake preparedness
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
- 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.
Local Factors for Melber
These city-level factors differentiate Melber from other communities in Graves County and provide geographic context for its hazard exposure.
Population
1,214
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.6/10
Coordinates
36.9233° N, 88.7583° W
Graves 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 Melber
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Melber
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.