Natural Disasters in Bedford, KY

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

11.9

Very Low

Expected Annual Loss

8.2

Score (0-100)

Social Vulnerability

70.9

Score (0-100)

Community Resilience

15.2

Score (0-100)

Top Hazard Risks

Strong Wind55.7Tornado52.6Landslide42.2

Hazard	Risk Score
Strong Wind	55.7
Tornado	52.6
Landslide	42.2
Ice Storm	35.5
Earthquake	28.0
Drought	25.5
Lightning	21.5
Heat Wave	18.8
Cold Wave	18.3
Hurricane	14.3
Winter Weather	9.6
Hail	9.2
Wildfire	3.6

Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.

Disaster Declarations

Source: FEMA OpenFEMA

Total Declarations

Most Recent

Winter Storm

Jan 2026

Most Common Type

Severe Storm

11 declarations

Date	Type	Declaration
Jan 24, 2026	Winter Storm	SEVERE WINTER STORM
Apr 24, 2025	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES
Apr 3, 2025	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING
Feb 16, 2025	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND LANDSLIDES
Apr 10, 2023	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES
Mar 28, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
Apr 26, 2018	Flood	SEVERE STORMS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES
Aug 12, 2015	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDE
Mar 6, 2012	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS AND FLOODING
May 4, 2011	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Aug 14, 2009	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS AND FLOODING
Feb 5, 2009	Severe Ice Storm	SEVERE WINTER STORM AND FLOODING
Jan 28, 2009	Severe Ice Storm	SEVERE WINTER STORM
Oct 9, 2008	Severe Storm	SEVERE WIND STORM ASSOCIATED WITH TROPICAL DEPRESSION IKE
Sep 10, 2005	Hurricane	HURRICANE KATRINA
Jun 10, 2004	Severe Storm	SEVERE STORMS, TORNADOES, FLOODING, AND MUDSLIDES
Mar 4, 1997	Severe Storm	SEVERE STORM, FLOODING, AND TORNADOES
Jan 13, 1996	Snowstorm	BLIZZARD OF 96
Jan 29, 1991	Flood	SEVERE STORMS & FLOODING

Showing 20 of 22 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

395

Total IA Distributed

$1,734,971

Repair/Replace

$1,014,916

Rental Assistance

$108,991

Disaster	Registrations	Total IA $	Avg Damage
DR-4058	1	N/A	—
DR-4864	172	$1,115,107	$5,592
DR-4239	90	$282,517	$3,459
DR-4497	22	$123,298	—
DR-1523	46	$101,190	$2,119
DR-4057	31	$90,941	$5,198
DR-4515	1	$9,000	—
DR-4782	1	$7,119	$12,244
DR-1795	28	$4,139	$370
DR-1976	2	$1,161	$621

Showing top 10 of 11 disasters by IA amount

Individual and household assistance for homeowners and renters affected by federally declared disasters.

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

Total Claims Paid

$677,673

Avg Claim Payout

$16,135

County-level NFIP data from FEMA National Flood Insurance Program.

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$616,201

Disasters with PA

Total Projects

Disaster	Type	Projects	Federal $
DR-1976	Severe Storm(s)	13	$166,323
DR-4239	Severe Storm(s)	4	$144,946
DR-1855	Severe Storm(s)	12	$102,993
DR-4864	Severe Storm(s)	2	$74,117
DR-1818	Severe Ice Storm	10	$45,447
DR-1802	Severe Storm(s)	7	$38,119
DR-4361	Severe Storm(s)	1	$28,845
DR-4057	Severe Storm(s)	4	$11,461
DR-4702	Severe Storm(s)	1	$3,950

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$122,933

Avg Benefit-Cost Ratio

0.00

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
600.1: Warning Systems (as a Component of a Planned, Adopted, and Exercised Risk Reduction Plan)	3	$33,991
601.1: Generators	1	$28,353
401.1: Water and Sanitary Sewer System Protective Measures	1	$0
91.1: Local Multihazard Mitigation Plan	1	$60,589

Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.

Bedford has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are strong wind, tornado, landslide. The area has had 22 federal disaster declarations. The most common disaster type is severe storm (11 declarations). 42 flood insurance claims have been filed in the area. FEMA has obligated $616,201 in public assistance recovery funding. $1,734,971 has been distributed in individual assistance to disaster-affected residents. 6 hazard mitigation projects have been funded to reduce future risk.