Natural Disasters in Horse Cave, KY
Hazard risk, disaster history, and FEMA data
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
41.1
Very Low
Expected Annual Loss
33.9
Score (0-100)
Social Vulnerability
75.8
Score (0-100)
Community Resilience
45.2
Score (0-100)
Top Hazard Risks
| Hazard | Risk Score |
|---|---|
| Hail | 84.6 |
| Ice Storm | 67.4 |
| Strong Wind | 66.1 |
| Tornado | 63.8 |
| Earthquake | 63.5 |
| Cold Wave | 49.2 |
| Landslide | 45.8 |
| Winter Weather | 43.4 |
| Heat Wave | 40.8 |
| Lightning | 40.6 |
| Hurricane | 38.5 |
| Drought | 33.9 |
| Wildfire | 10.9 |
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
27
Most Recent
Winter Storm
Jan 2026
Most Common Type
Severe Storm
13 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 |
| May 9, 2023 | Flood | SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, 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 |
| 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 12, 2015 | Flood | SEVERE WINTER STORM, SNOWSTORM, FLOODING, LANDSLIDES, AND MUDSLIDES |
| 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 |
| Feb 21, 2008 | Severe Storm | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND |
| Sep 10, 2005 | Hurricane | HURRICANE KATRINA |
| Feb 8, 2005 | Snowstorm | SEVERE WINTER STORM AND RECORD SNOW |
| Aug 6, 2004 | Severe Storm | SEVERE STORMS AND FLOODING |
Showing 20 of 27 declarations
Individual Assistance
Source: FEMA Housing AssistanceTotal IA Registrations
244
Total IA Distributed
$463,336
Repair/Replace
$268,816
Rental Assistance
$27,532
| Disaster | Registrations | Total IA $ | Avg Damage |
|---|---|---|---|
| DR-4860 | 1 | N/A | — |
| DR-4630 | 160 | $260,794 | $6,219 |
| DR-4497 | 18 | $103,167 | — |
| DR-4864 | 21 | $83,799 | $4,545 |
| DR-1912 | 37 | $14,676 | $1,359 |
| DR-1746 | 2 | $842 | $986 |
| DR-1471 | 5 | $58 | $679 |
Individual and household assistance for homeowners and renters affected by federally declared disasters.
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
11
Total Claims Paid
$222,284
Avg Claim Payout
$20,208
County-level NFIP data from FEMA National Flood Insurance Program.
Disaster Recovery Spending
Source: FEMA Public AssistanceTotal Federal Spending
$1,098,400
Disasters with PA
9
Total Projects
91
| Disaster | Type | Projects | Federal $ |
|---|---|---|---|
| DR-4630 | Tornado | 19 | $306,339 |
| DR-1818 | Severe Ice Storm | 15 | $287,365 |
| DR-4702 | Severe Storm(s) | 10 | $147,934 |
| DR-4860 | Other | 9 | $108,612 |
| DR-1912 | Severe Storm(s) | 22 | $108,037 |
| DR-4218 | Flood | 3 | $73,645 |
| DR-1537 | Severe Storm(s) | 4 | $30,969 |
| DR-4864 | Severe Storm(s) | 4 | $26,333 |
| DR-1471 | Severe Storm(s) | 5 | $9,165 |
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
11
Federal Funding
$296,733
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) | 4 | $133,665 |
| 601.1: Generators | 3 | $125,212 |
| 602.1: Other Equipment Purchase and Installation | 2 | $30,356 |
| 601.2: Generators - Regular | 1 | $7,500 |
| 91.1: Local Multihazard Mitigation Plan | 1 | $0 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Horse Cave has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are hail, ice storm, strong wind. The area has had 27 federal disaster declarations. The most common disaster type is severe storm (13 declarations). 11 flood insurance claims have been filed in the area. FEMA has obligated $1,098,400 in public assistance recovery funding. $463,336 has been distributed in individual assistance to disaster-affected residents. 11 hazard mitigation projects have been funded to reduce future risk.