Natural Disaster Risk — ZIP Code 40806
Baxter, Kentucky
Risk Summary for ZIP 40806
ZIP 40806 scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.
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 40806, Kentucky
ZIP 40806 covers part of the Baxter area, in the interior eastern United States. The surrounding region experiences hot, humid summers and cold winters with ice storm risk, with recurring winter ice storm events shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 40806's composite natural disaster risk at 5.9 out of 10 — moderate risk. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Residents should also account for landslide and wind risk in their preparedness planning.
ZIP 40806's risk score, slightly above the 5.5/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are avalanche, landslide, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 40806'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 avalanche exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 40806: Avalanche preparedness
- Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
- Be aware of slope angles and recent snow loading, which drive avalanche risk.
- Properties in runout zones may require specialized hazard assessment and insurance.
Risk for the surrounding area
Local Factors for ZIP 40806
These city-level factors differentiate ZIP 40806 from other communities in Kentucky County and provide geographic context for its hazard exposure.
Population
1,732
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.4/10
Coordinates
36.8860° N, 83.2881° 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 40806
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.