Natural Disaster Risk in Metcalfe County
Kentucky
Risk Summary for Metcalfe County
Metcalfe County scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Metcalfe County, Kentucky
Metcalfe County is located in the United States in Kentucky, home to roughly 10,286 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 Metcalfe County's composite natural disaster risk at 5.1 out of 10 — moderate risk. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Residents should also account for earthquake and ice storm risk in their preparedness planning.
Metcalfe County's risk score, slightly below 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 Metcalfe County, the highest-scoring are hail, earthquake, and ice storm. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Metcalfe County residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.
What this means for Metcalfe County: Hail preparedness
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
- Document roof and property condition annually to streamline any future hail claims.
Cities in Metcalfe County
ZIP codes in Metcalfe County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.