🌍 ClimateRiskCheck

Natural Disaster Risk in Owensboro

Kentucky

7.0out of 10
High Risk

Risk Summary for Owensboro

Owensboro scores 7.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.

Top Hazards

Ice Storm Earthquake Strong Wind

All 18 Hazard Scores

Ice Storm
9.7
Earthquake
9.6
Strong Wind
9.5
Winter Weather
9.4
Hail
9.2
Extreme Heat
9.2
Tornado
9.0
Drought
7.5
Lightning
7.3
Cold Wave
7.2
Hurricane
5.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Landslide
3.8
Wildfire
2.8
Riverine Flooding
1.0

How it compares

Owensboro
7.0
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: Owensboro, Kentucky

Owensboro, in Daviess County, is a city of approximately 45,445 residents 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 Owensboro residents and property owners must navigate.

Owensboro's overall natural disaster risk is rated 7.0/10 (High) by FEMA's National Risk Index. Freezing rain and ice accretion are the primary winter hazard, with glaze ice events capable of downing power lines, snapping tree limbs, and making roads impassable for days. Secondary hazards include earthquake and wind.

Within Kentucky, Owensboro's risk is, slightly 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 Daviess County identifies ice storm as the foremost hazard, followed by earthquake and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Owensboro's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Owensboro: Ice Storm preparedness

  • Have a backup heat source and charged devices ready before winter storms arrive.
  • Prepare for multi-day power outages, as ice accretion frequently downs power lines.
  • Keep walkways treated and avoid travel during freezing-rain events.

Local Factors for Owensboro

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

Population

45,445

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 37.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.8/10

Coordinates

37.7398Β° N, 87.2464Β° W

Daviess 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 Owensboro

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Owensboro

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.