Natural Disasters in Ludlow, KY

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk 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)

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

Disaster History & Federal Spending

Source: FEMA

Total Declarations

15

Public Assistance

$2.6M

Individual Assistance

$9.7M

Most Common Type

Severe Storm

7 declarations

DisasterTypeDatePA $IA $
Severe Winter Storm →Winter StormJan 2026——
Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides →Severe StormApr 2025$135K—
Severe Storms, Straight-line Winds, Tornadoes, and Flooding →Severe StormApr 2025——
Severe Storms, Straight-line Winds, Flooding, and Landslides →Severe StormFeb 2025——
Covid-19 Pandemic →BiologicalMar 2020$565K$3.6M
Covid-19 →BiologicalMar 2020——
Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides →FloodApr 2018$430K—
Severe Storms, Tornadoes, Straight-line Winds and Flooding →Severe StormMar 2012$130K—
Severe Storms, Tornadoes, and Flooding →Severe StormMay 2011$348K—
Severe Winter Storm and Flooding →Severe Ice StormFeb 2009$472K—
Severe Winter Storm →Severe Ice StormJan 2009——
Severe Wind Storm Associated With Tropical Depression Ike →Severe StormOct 2008$539K—
Hurricane Katrina →HurricaneSep 2005——
Severe Storm, Flooding, and Tornadoes →Severe StormMar 1997——
Blizzard of 96 →SnowstormJan 1996——
Covid-19 Pandemic →Unknown——$6.1M
Severe Storms, Flooding, Landslides, and Mudslides →Unknown——$2K
Severe Storms, Flooding, and Tornadoes →Unknown———
Tornadoes, Flooding, Severe Storms, and High Winds →Unknown———
Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslide →Unknown———

PA = FEMA Public Assistance (infrastructure recovery). IA = Individual Assistance (homeowner/renter aid).

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

286

Total Claims Paid

$2,670,626

Avg Claim Payout

$9,338

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

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

12

Federal Funding

$2,223,157

Properties Protected

23

Avg Benefit-Cost Ratio

2.91

BCR

Top Mitigation Project Types

Project TypeProjectsFederal $
200.1: Acquisition of Private Real Property (Structures and Land) - Riverine5$1,741,811
601.1: Generators4$110,033
302.1: Landslide Stabilization - Structural2$251,163
600.1: Warning Systems (as a Component of a Planned, Adopted, and Exercised Risk Reduction Plan)1$120,150

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

Ludlow 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. $9,697,596 has been distributed in individual assistance to disaster-affected residents. 12 hazard mitigation projects have been funded to reduce future risk.