Natural Disaster Risk in Versailles
Kentucky
Risk Summary for Versailles
Versailles scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
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: Versailles, Kentucky
Located in the interior eastern United States in Woodford County, Versailles is a city of approximately 24,793 residents. 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 Versailles a community where hazard awareness has real practical value.
Versailles's overall natural disaster risk is rated 5.2/10 (Moderate) by FEMA's National Risk Index. Wind damage from severe weather systems tops the local risk profile, with open terrain and frequent storm activity amplifying exposure to destructive gusts. Secondary hazards include tornado and ice storm.
Relative to other U.S. communities, Versailles's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.5/10 state average. The hazard distribution here is led by wind and tornado, as measured by FEMA across Woodford County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Versailles 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 wind is recommended.
What this means for Versailles: Strong Wind preparedness
- Secure or store outdoor furniture and loose objects that can become projectiles.
- Confirm your policy covers wind damage and keep an inventory of property for claims.
- Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
Local Factors for Versailles
These city-level factors differentiate Versailles from other communities in Woodford County and provide geographic context for its hazard exposure.
Population
24,793
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.0°
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
38.0102° N, 84.7392° W
Woodford 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 Versailles
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Versailles
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.