Natural Disaster Risk — ZIP Code 40808
Big Laurel, Kentucky
Risk Summary for ZIP 40808
ZIP 40808 scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.
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 40808, Kentucky
ZIP 40808 in Big Laurel 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 40808 carries an overall risk score of 4.8/10, placing it in the moderate category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to avalanche and wildfire.
Within Kentucky, ZIP 40808'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 landslide as the foremost hazard, followed by avalanche and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
ZIP 40808'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 landslide exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 40808: Landslide preparedness
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
Risk for the surrounding area
Local Factors for ZIP 40808
These city-level factors differentiate ZIP 40808 from other communities in Kentucky County and provide geographic context for its hazard exposure.
Population
8
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 37.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.7/10
Coordinates
36.9995° N, 83.2801° 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 40808
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.