Natural Disaster Risk — ZIP Code 42635
Pine Knot, Kentucky
Risk Summary for ZIP 42635
ZIP 42635 scores 6.2/10 (High risk), above 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
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 42635, Kentucky
ZIP 42635 in Pine Knot 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 42635 carries an overall risk score of 6.2/10, placing it in the high 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 winter.
Within Kentucky, ZIP 42635's risk is, slightly above the 5.5/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Kentucky identifies landslide as the foremost hazard, followed by avalanche and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, ZIP 42635 residents benefit from taking preparedness seriously. Reviewing insurance coverage for landslide and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for ZIP 42635: 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 42635
These city-level factors differentiate ZIP 42635 from other communities in Kentucky County and provide geographic context for its hazard exposure.
Population
4,736
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.7/10
Coordinates
36.6760° N, 84.4003° 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 42635
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.