Natural Disaster Risk in Saint Charles
Kentucky
Risk Summary for Saint Charles
Saint Charles scores 6.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
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: Saint Charles, Kentucky
Saint Charles is a small unincorporated community in Hopkins 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 Saint Charles.
According to FEMA's National Risk Index, Saint Charles carries an overall risk score of 6.7/10, placing it in the high category. The area faces significant ice storm exposure, where the thermal profile of the atmosphere during winter storms frequently delivers freezing rain rather than snow. The area also faces notable exposure to wind and earthquake.
Saint Charles's risk score, slightly above the 5.5/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Hopkins County, the highest-scoring are ice storm, wind, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Saint Charles'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 Saint Charles: Ice Storm preparedness
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
- Keep walkways treated and avoid travel during freezing-rain events.
- Have a backup heat source and charged devices ready before winter storms arrive.
Local Factors for Saint Charles
These city-level factors differentiate Saint Charles from other communities in Hopkins County and provide geographic context for its hazard exposure.
Population
452
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.9/10
Coordinates
37.1489° N, 87.5828° W
Hopkins 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 Saint Charles
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Saint Charles
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.