Natural Disaster Risk — ZIP Code 40819

Natural Hazard Profile: ZIP 40819, Kentucky

Located in the interior eastern United States, ZIP 40819 serves the Coldiron community. The humid subtropical climate of this part of Kentucky — bringing hot, humid summers and cold winters with ice storm risk — directly shapes the hazard exposure for properties in this postal area.

ZIP 40819's overall natural disaster risk is rated 5.9/10 (Moderate) by FEMA's National Risk Index. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. Secondary hazards include landslide and wind.

Relative to other U.S. communities, ZIP 40819's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.5/10 state average. The hazard distribution here is led by avalanche and landslide, as measured by FEMA across Kentucky. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 40819'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.