Natural Disaster Risk in Winchester
Kentucky
Risk Summary for Winchester
Winchester scores 5.4/10 (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
π 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: Winchester, Kentucky
Located in the interior eastern United States in Clark County, Winchester is a city of approximately 36,796 residents. 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 Winchester a community where hazard awareness has real practical value.
FEMA rates Winchester's composite natural disaster risk at 5.4 out of 10 β moderate risk. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. Residents should also account for tornado and winter risk in their preparedness planning.
Relative to other U.S. communities, Winchester'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 Clark County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Winchester 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 wind is recommended.
What this means for Winchester: 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 Winchester
These city-level factors differentiate Winchester from other communities in Clark County and provide geographic context for its hazard exposure.
Population
36,796
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.0Β°
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: 2.5/10
Coordinates
37.9697Β° N, 84.1451Β° W
Clark 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 Winchester
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Winchester
Other cities in Kentucky
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.