🌍 ClimateRiskCheck

Natural Disaster Risk in Summersville

Kentucky

4.8out of 10
Moderate Risk

Risk Summary for Summersville

Summersville scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Ice Storm Hurricane

All 18 Hazard Scores

Hail
6.2
Ice Storm
5.9
Hurricane
5.5
Earthquake
5.4
Tsunami
5.4
Tornado
5.3
Winter Weather
5.3
Strong Wind
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
4.7
Avalanche
4.5
Landslide
4.4
Cold Wave
4.3
Lightning
4.0
Extreme Heat
3.6
Wildfire
1.6
Riverine Flooding
1.0

How it compares

Summersville
4.8
Kentucky avg.
5.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Summersville, Kentucky

Located in the interior eastern United States in Green County, Summersville is a small community of about 702. The humid subtropical climate that characterizes this part of Kentucky β€” marked by hot, humid summers and cold winters with ice storm risk β€” directly influences the types and severity of natural hazards present, making Summersville a community where hazard awareness has real practical value.

Summersville's overall natural disaster risk is rated 4.8/10 (Moderate) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include ice storm and hurricane.

Relative to other U.S. communities, Summersville's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.5/10 state average. The hazard distribution here is led by hail and ice storm, as measured by FEMA across Green County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Summersville residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.

What this means for Summersville: Hail preparedness

  • 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.
  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.

Local Factors for Summersville

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

Population

702

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 37.3Β°

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: 1.6/10

Coordinates

37.3447Β° N, 85.6370Β° W

Green 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 Summersville

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Summersville

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.