Natural Disasters in Earlington, KY

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

72.6

Relatively Low

Expected Annual Loss

68.5

Score (0-100)

Social Vulnerability

67.5

Score (0-100)

Community Resilience

65.6

Score (0-100)

Top Hazard Risks

Ice Storm96.4Strong Wind93.0Earthquake91.7

Hazard	Risk Score
Ice Storm	96.4
Strong Wind	93.0
Earthquake	91.7
Hail	81.5
Winter Weather	80.1
Tornado	79.6
Lightning	78.4
Heat Wave	75.1
Drought	70.3
Cold Wave	50.1
Landslide	35.5
Hurricane	29.9
Wildfire	18.8

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

17 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 24, 2025	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES
Feb 16, 2025	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND LANDSLIDES
Jul 23, 2024	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, LANDSLIDES, AND MUDSLIDES
Apr 10, 2023	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES
Dec 12, 2021	Tornado	SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND TORNADOES
Dec 11, 2021	Tornado	SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND TORNADOES
Mar 28, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
Aug 26, 2016	Severe Storm	SEVERE STORM, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES
May 4, 2011	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
May 11, 2010	Severe Storm	SEVERE STORMS, FLOODING, MUDSLIDES, AND TORNADOES
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
May 19, 2008	Severe Storm	SEVERE STORMS, TORNADOES, FLOODING, MUDSLIDES, AND LANDSLIDES
Feb 21, 2008	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND
Dec 1, 2005	Severe Storm	SEVERE STORMS AND TORNADOES

Showing 20 of 30 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

1,367

Total IA Distributed

$3,063,898

Repair/Replace

$1,167,612

Rental Assistance

$120,379

Disaster	Registrations	Total IA $	Avg Damage
DR-4497	208	$1,278,061	—
DR-4864	135	$690,583	$4,148
DR-4630	638	$653,070	$2,012
DR-1617	271	$291,509	$10,664
DR-4804	65	$92,377	$3,611
DR-1912	29	$43,064	$1,992
DR-1523	11	$7,485	$3,642
DR-1471	5	$4,032	$1,039
DR-1746	5	$3,717	$735

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

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

Total Claims Paid

$1,177,263

Avg Claim Payout

$16,351

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

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$30,621,878

Disasters with PA

Total Projects

458

Disaster	Type	Projects	Federal $
DR-4630	Tornado	65	$21,925,391
DR-1818	Severe Ice Storm	49	$2,949,563
DR-4804	Severe Storm(s)	17	$1,837,970
DR-4497	Biological	8	$1,418,815
DR-1802	Severe Storm(s)	11	$563,903
DR-1757	Severe Storm(s)	183	$563,665
DR-1310	Tornado	23	$307,746
DR-1912	Severe Storm(s)	13	$194,857
DR-1976	Severe Storm(s)	28	$176,195
DR-1471	Severe Storm(s)	30	$169,714
DR-4278	Severe Storm(s)	10	$137,949
DR-4860	Other	5	$130,319
DR-4702	Severe Storm(s)	1	$117,592
DR-4864	Severe Storm(s)	4	$69,053
DR-1578	Snow	11	$59,147

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$378,907

Properties Protected

Avg Benefit-Cost Ratio

2.86

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
601.1: Generators	7	$98,132
206.2: Safe Room (Tornado and Severe Wind Shelter) - Public Structures	3	$26,250
200.1: Acquisition of Private Real Property (Structures and Land) - Riverine	2	$194,588
600.1: Warning Systems (as a Component of a Planned, Adopted, and Exercised Risk Reduction Plan)	1	$37,037
95.1: FMA or CRS Plan	1	$22,900

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

Earlington has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are ice storm, strong wind, earthquake. The area has had 30 federal disaster declarations. The most common disaster type is severe storm (17 declarations). 72 flood insurance claims have been filed in the area. FEMA has obligated $30,621,878 in public assistance recovery funding. $3,063,898 has been distributed in individual assistance to disaster-affected residents. 14 hazard mitigation projects have been funded to reduce future risk.