Natural Disaster Risk — ZIP Code 40040
Mackville, Kentucky
Risk Summary for ZIP 40040
ZIP 40040 scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Ice Storm.
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: ZIP 40040, Kentucky
ZIP 40040 in Mackville sits in the interior eastern United States. Its humid subtropical climate produces hot, humid summers and cold winters with ice storm risk, and notably recurring winter ice storm events. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 40040 carries an overall risk score of 4.7/10, placing it in the moderate category. Ice storm risk tops the local winter hazard profile, with freezing rain events capable of coating roads, trees, and power lines with ice that causes widespread outages and dangerous travel conditions. The area also faces notable exposure to hail and tornado.
Within Kentucky, ZIP 40040's risk is, slightly below the 5.5/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Kentucky identifies ice storm as the foremost hazard, followed by hail and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
ZIP 40040's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that ice storm exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 40040: Ice Storm preparedness
- Have a backup heat source and charged devices ready before winter storms arrive.
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
- Keep walkways treated and avoid travel during freezing-rain events.
Risk for the surrounding area
Local Factors for ZIP 40040
These city-level factors differentiate ZIP 40040 from other communities in Kentucky County and provide geographic context for its hazard exposure.
Population
779
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.3/10
Coordinates
37.7743° N, 85.0573° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 40040
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Kentucky
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.