Natural Disaster Risk in Mount Hermon
Kentucky
Risk Summary for Mount Hermon
Mount Hermon scores 5.4/10 (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: Mount Hermon, Kentucky
Mount Hermon is a small community of about 507 in Monroe 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 Mount Hermon.
According to FEMA's National Risk Index, Mount Hermon carries an overall risk score of 5.4/10, placing it in the moderate category. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. The area also faces notable exposure to earthquake and hurricane.
Mount Hermon's risk score, near 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 Monroe County, the highest-scoring are hail, earthquake, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Mount Hermon's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hail exposure is adequately protected is a worthwhile step for property owners.
What this means for Mount Hermon: 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.
Local Factors for Mount Hermon
These city-level factors differentiate Mount Hermon from other communities in Monroe County and provide geographic context for its hazard exposure.
Population
507
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.2/10
Coordinates
36.7887° N, 85.8187° W
Monroe 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 Mount Hermon
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Mount Hermon
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.