Natural Disaster Risk in Spottsville
Kentucky
Risk Summary for Spottsville
Spottsville scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
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: Spottsville, Kentucky
Located in the interior eastern United States in Henderson County, Spottsville is a small community of about 979. The humid subtropical climate that characterizes this part of Kentucky — marked by hot, humid summers and cold winters with ice storm risk — directly influences the types and severity of natural hazards present, making Spottsville a community where hazard awareness has real practical value.
Spottsville's overall natural disaster risk is rated 6.1/10 (High) by FEMA's National Risk Index. Earthquake risk stands out in the local hazard profile, driven by proximity to fault systems with a history of significant ground movement. Secondary hazards include wind and ice storm.
Relative to other U.S. communities, Spottsville's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.5/10 state average. The hazard distribution here is led by earthquake and wind, as measured by FEMA across Henderson County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Spottsville residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Spottsville: Earthquake preparedness
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
Local Factors for Spottsville
These city-level factors differentiate Spottsville from other communities in Henderson County and provide geographic context for its hazard exposure.
Population
979
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.9/10
Coordinates
37.8525° N, 87.4237° W
Henderson 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 Spottsville
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Spottsville
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.