Natural Disasters in Germantown, KY

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

39.2

Very Low

Expected Annual Loss

34.0

Score (0-100)

Social Vulnerability

71.0

Score (0-100)

Community Resilience

77.3

Score (0-100)

Top Hazard Risks

Strong Wind73.0Tornado57.9Earthquake54.1
HazardRisk Score
Strong Wind73.0
Tornado57.9
Earthquake54.1
Heat Wave50.4
Lightning46.7
Winter Weather45.7
Landslide39.9
Ice Storm39.4
Hail38.1
Hurricane35.4
Drought26.2
Cold Wave20.5
Wildfire6.6

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

23

Most Recent

Winter Storm

Jan 2026

Most Common Type

Severe Storm

12 declarations

DateTypeDeclaration
Jan 24, 2026Winter StormSEVERE WINTER STORM
Apr 3, 2025Severe StormSEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING
Feb 16, 2025Severe StormSEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND LANDSLIDES
May 22, 2024Severe StormSEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, LANDSLIDES, AND MUDSLIDES
Apr 23, 2021FloodSEVERE, STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES
Mar 28, 2020BiologicalCOVID-19 PANDEMIC
Mar 13, 2020BiologicalCOVID-19
May 12, 2015FloodSEVERE WINTER STORM, SNOWSTORM, FLOODING, LANDSLIDES, AND MUDSLIDES
May 4, 2011Severe StormSEVERE STORMS, TORNADOES, AND FLOODING
Jul 23, 2010Severe StormSEVERE STORMS, FLOODING, AND MUDSLIDES
May 11, 2010Severe StormSEVERE STORMS, FLOODING, MUDSLIDES, AND TORNADOES
Feb 5, 2009Severe Ice StormSEVERE WINTER STORM AND FLOODING
Jan 28, 2009Severe Ice StormSEVERE WINTER STORM
Sep 10, 2005HurricaneHURRICANE KATRINA
Jun 10, 2004Severe StormSEVERE STORMS, TORNADOES, FLOODING, AND MUDSLIDES
Jun 3, 2003Severe StormSEVERE STORMS, FLOODING, MUD AND ROCK SLIDES, AND TORNADOES
Mar 14, 2003Severe StormSEVERE WINTER ICE AND SNOW STORMS, HEAVY RAIN, FLOODING, TORNADOES, AND MUD AND
Aug 15, 2001Severe StormSEVERE STORMS AND FLOODING
Feb 28, 2000Severe StormSEVERE STORMS AND FLOODING
Mar 4, 1997Severe StormSEVERE STORM, FLOODING, AND TORNADOES

Showing 20 of 23 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

13

Total IA Distributed

$37,598

Repair/Replace

$6,550

DisasterRegistrationsTotal IA $Avg Damage
DR-45071N/A—
DR-44977$28,050—
DR-47825$9,548$13,459

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

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

16

Total Claims Paid

$178,369

Avg Claim Payout

$11,148

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

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$741,157

Disasters with PA

6

Total Projects

45

DisasterTypeProjectsFederal $
DR-1976Severe Storm(s)12$253,949
DR-1912Severe Storm(s)7$128,662
DR-1388Severe Storm(s)12$121,761
DR-1818Severe Ice Storm4$107,956
DR-1454Severe Storm(s)6$75,940
DR-4218Flood4$52,889

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

2

Federal Funding

$48,703

Avg Benefit-Cost Ratio

1.14

BCR

Top Mitigation Project Types

Project TypeProjectsFederal $
403.4: Stormwater Management - Detention/Retention Basins1$0
91.1: Local Multihazard Mitigation Plan1$48,703

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

Germantown has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are strong wind, tornado, earthquake. The area has had 23 federal disaster declarations. The most common disaster type is severe storm (12 declarations). 16 flood insurance claims have been filed in the area. FEMA has obligated $741,157 in public assistance recovery funding. $37,598 has been distributed in individual assistance to disaster-affected residents. 2 hazard mitigation projects have been funded to reduce future risk.