Natural Disaster Risk — ZIP Code 66851

Natural Hazard Profile: ZIP 66851, Kansas

ZIP 66851 in Florence sits in the interior eastern United States. Its semi-arid continental climate produces hot summers, cold winters, and exposure at the heart of Tornado Alley, and notably one of the most intense tornado seasons in the world, peaking in May and June. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 66851 carries an overall risk score of 5.9/10, 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 wildfire.

Within Kansas, ZIP 66851's risk is, slightly above the 5.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Kansas identifies ice storm as the foremost hazard, followed by hail and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 66851'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.