Natural Disaster Risk in Warsaw
Kentucky
Risk Summary for Warsaw
Warsaw scores 3.9/10 (Low risk), below 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
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Warsaw, Kentucky
Warsaw, in Gallatin County, is a town of roughly 4,106 residents situated in the interior eastern United States. Its humid subtropical climate brings hot, humid summers and cold winters with ice storm risk, and in particular recurring winter ice storm events. These conditions collectively define the natural hazard environment that Warsaw residents and property owners must navigate.
Warsaw's overall natural disaster risk is rated 3.9/10 (Low) by FEMA's National Risk Index. Strong wind is the primary natural hazard, with the area exposed to downburst winds from convective storms that can exceed 80 mph and cause hurricane-level localized damage. Secondary hazards include tsunami and tornado.
Within Kentucky, Warsaw's risk is, considerably below the 5.5/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of Gallatin County identifies wind as the foremost hazard, followed by tsunami and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Warsaw carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk — wind — warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.
What this means for Warsaw: Strong Wind preparedness
- 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.
- Secure or store outdoor furniture and loose objects that can become projectiles.
Local Factors for Warsaw
These city-level factors differentiate Warsaw from other communities in Gallatin County and provide geographic context for its hazard exposure.
Population
4,106
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.4/10
Coordinates
38.7903° N, 84.8157° W
Gallatin 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 Warsaw
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Warsaw
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.