Natural Disaster Risk — ZIP Code 72865
Subiaco, Arkansas
Risk Summary for ZIP 72865
ZIP 72865 scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
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 72865, Arkansas
Located in the interior eastern United States, ZIP 72865 serves the Subiaco community. The humid subtropical climate of this part of Arkansas — bringing hot, humid summers and frequent severe thunderstorm activity — directly shapes the hazard exposure for properties in this postal area.
ZIP 72865's overall natural disaster risk is rated 6.3/10 (High) by FEMA's National Risk Index. The area faces significant ice storm exposure, where the thermal profile of the atmosphere during winter storms frequently delivers freezing rain rather than snow. Secondary hazards include heat and wildfire.
Relative to other U.S. communities, ZIP 72865's natural disaster risk is above the U.S. national average of 4.5/10, near the 6.2/10 state average. The hazard distribution here is led by ice storm and heat, as measured by FEMA across Arkansas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, ZIP 72865 residents benefit from taking preparedness seriously. Reviewing insurance coverage for ice storm 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 72865: Ice Storm preparedness
- Keep walkways treated and avoid travel during freezing-rain events.
- Have a backup heat source and charged devices ready before winter storms arrive.
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
Risk for the surrounding area
Local Factors for ZIP 72865
These city-level factors differentiate ZIP 72865 from other communities in Arkansas County and provide geographic context for its hazard exposure.
Population
1,040
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.5/10
Coordinates
35.3114° N, 93.5673° 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 72865
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Arkansas
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.