🌍 ClimateRiskCheck

Natural Disaster Risk in Melvin

Kentucky

6.3out of 10
High Risk

Risk Summary for Melvin

Melvin scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Wildfire

All 18 Hazard Scores

Landslide
9.2
Avalanche
9.2
Wildfire
8.8
Winter Weather
8.1
Strong Wind
7.5
Hail
7.3
Earthquake
6.9
Hurricane
6.7
Extreme Heat
6.4
Lightning
6.2
Tsunami
5.4
Cold Wave
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Tornado
4.4
Ice Storm
4.1
Drought
1.7
Riverine Flooding
1.0

How it compares

Melvin
6.3
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: Melvin, Kentucky

Melvin is a small community of about 590 in Floyd County, in the interior eastern United States. The area experiences hot, humid summers and cold winters with ice storm risk, with recurring winter ice storm events shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Melvin.

According to FEMA's National Risk Index, Melvin carries an overall risk score of 6.3/10, placing it in the high category. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. The area also faces notable exposure to landslide and wildfire.

Melvin's risk score, slightly above the 5.5/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Floyd County, the highest-scoring are avalanche, landslide, and wildfire. 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, Melvin residents benefit from taking preparedness seriously. Reviewing insurance coverage for avalanche 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 Melvin: Avalanche preparedness

  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.
  • Properties in runout zones may require specialized hazard assessment and insurance.

Local Factors for Melvin

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

Population

590

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 37.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.8/10

Coordinates

37.3472Β° N, 82.6817Β° W

Floyd 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 Melvin

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Melvin

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.