Natural Disaster Risk in Smithland
Kentucky
Risk Summary for Smithland
Smithland scores 5.3/10 (Moderate 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
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: Smithland, Kentucky
Smithland is a small community of about 2,161 in Livingston 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 Smithland.
According to FEMA's National Risk Index, Smithland carries an overall risk score of 5.3/10, placing it in the moderate 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 earthquake and drought.
Smithland'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 Livingston County, the highest-scoring are ice storm, earthquake, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Smithland 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 ice storm is recommended.
What this means for Smithland: 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 Smithland
These city-level factors differentiate Smithland from other communities in Livingston County and provide geographic context for its hazard exposure.
Population
2,161
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.8/10
Coordinates
37.2282° N, 88.4027° W
Livingston 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 Smithland
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Smithland
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.