Natural Disasters in Elsmere, KY
Hazard risk, disaster history, and FEMA data
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
77.4
Relatively Low
Expected Annual Loss
82.6
Score (0-100)
Social Vulnerability
15.3
Score (0-100)
Community Resilience
80.6
Score (0-100)
Top Hazard Risks
| Hazard | Risk Score |
|---|---|
| Strong Wind | 95.2 |
| Tornado | 91.7 |
| Cold Wave | 86.4 |
| Lightning | 83.7 |
| Heat Wave | 80.6 |
| Ice Storm | 74.1 |
| Earthquake | 71.4 |
| Winter Weather | 60.8 |
| Landslide | 49.3 |
| Hail | 42.9 |
| Wildfire | 20.9 |
| Drought | 15.9 |
| Hurricane | 13.1 |
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 OpenFEMATotal Declarations
15
Most Recent
Winter Storm
Jan 2026
Most Common Type
Severe Storm
7 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 |
| Mar 28, 2020 | Biological | COVID-19 PANDEMIC |
| Mar 13, 2020 | Biological | COVID-19 |
| Apr 26, 2018 | Flood | SEVERE STORMS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES |
| Mar 6, 2012 | Severe Storm | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS AND FLOODING |
| May 4, 2011 | Severe Storm | SEVERE STORMS, TORNADOES, 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 |
| Mar 4, 1997 | Severe Storm | SEVERE STORM, FLOODING, AND TORNADOES |
| Jan 13, 1996 | Snowstorm | BLIZZARD OF 96 |
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
286
Total Claims Paid
$2,670,626
Avg Claim Payout
$9,338
County-level NFIP data from FEMA National Flood Insurance Program.
Disaster Recovery Spending
Source: FEMA Public AssistanceTotal Federal Spending
$2,618,793
Disasters with PA
7
Total Projects
116
| Disaster | Type | Projects | Federal $ |
|---|---|---|---|
| DR-4497 | Biological | 10 | $564,894 |
| DR-1802 | Severe Storm(s) | 40 | $538,740 |
| DR-1818 | Severe Ice Storm | 19 | $472,080 |
| DR-4361 | Severe Storm(s) | 16 | $429,726 |
| DR-1976 | Severe Storm(s) | 22 | $348,082 |
| DR-4864 | Severe Storm(s) | 5 | $135,271 |
| DR-4057 | Severe Storm(s) | 4 | $130,000 |
Elsmere has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are strong wind, tornado, cold wave. The area has had 15 federal disaster declarations. The most common disaster type is severe storm (7 declarations). 286 flood insurance claims have been filed in the area. FEMA has obligated $2,618,793 in public assistance recovery funding.