Natural Disasters in Morgantown, KY

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

18.1

Very Low

Expected Annual Loss

17.7

Score (0-100)

Social Vulnerability

51.9

Score (0-100)

Community Resilience

18.6

Score (0-100)

Top Hazard Risks

Hail81.4Earthquake67.0Ice Storm65.8

Hazard	Risk Score
Hail	81.4
Earthquake	67.0
Ice Storm	65.8
Strong Wind	48.4
Tornado	45.6
Landslide	44.0
Heat Wave	38.2
Drought	31.3
Winter Weather	25.0
Lightning	22.7
Cold Wave	21.6
Hurricane	19.6
Wildfire	5.3

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

15 declarations

Date	Type	Declaration
Jan 24, 2026	Winter Storm	SEVERE WINTER STORM
May 23, 2025	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES
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
Apr 24, 2020	Severe Storm	SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES
Mar 28, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
Apr 17, 2019	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES
Apr 26, 2018	Flood	SEVERE STORMS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES
Aug 26, 2016	Severe Storm	SEVERE STORM, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES
May 12, 2015	Flood	SEVERE WINTER STORM, SNOWSTORM, FLOODING, LANDSLIDES, AND MUDSLIDES
Apr 30, 2015	Snowstorm	SEVERE WINTER STORMS, SNOWSTORMS, 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

Showing 20 of 29 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

312

Total IA Distributed

$1,215,423

Repair/Replace

$778,481

Rental Assistance

$40,573

Disaster	Registrations	Total IA $	Avg Damage
DR-4864	263	$1,101,335	$4,998
DR-4804	26	$41,473	$8,941
DR-1912	10	$36,618	$3,725
DR-4497	6	$29,579	—
DR-1523	5	$5,417	$1,105
DR-4663	2	$1,000	—

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

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

Total Claims Paid

$606,707

Avg Claim Payout

$17,844

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

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$1,696,869

Disasters with PA

Total Projects

Disaster	Type	Projects	Federal $
DR-4540	Severe Storm(s)	6	$484,452
DR-4860	Other	6	$242,885
DR-1818	Severe Ice Storm	9	$226,013
DR-4428	Severe Storm(s)	6	$188,831
DR-4864	Severe Storm(s)	6	$161,463
DR-1454	Severe Storm(s)	1	$129,267
DR-4804	Severe Storm(s)	5	$78,294
DR-1912	Severe Storm(s)	17	$47,473
DR-4278	Severe Storm(s)	4	$45,752
DR-4218	Flood	2	$27,798
DR-4497	Biological	1	$24,351
DR-4216	Snow	2	$23,045
DR-4702	Severe Storm(s)	2	$17,244

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$373,411

Avg Benefit-Cost Ratio

4.25

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)	3	$58,014
601.1: Generators	2	$150,963
403.1: Stormwater Management - Culverts	2	$0
400.1: Utility Protective Measures (Electric, Gas, etc.)	1	$164,434
206.2: Safe Room (Tornado and Severe Wind Shelter) - Public Structures	1	$0

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

Morgantown has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are hail, earthquake, ice storm. The area has had 29 federal disaster declarations. The most common disaster type is severe storm (15 declarations). 34 flood insurance claims have been filed in the area. FEMA has obligated $1,696,869 in public assistance recovery funding. $1,215,423 has been distributed in individual assistance to disaster-affected residents. 10 hazard mitigation projects have been funded to reduce future risk.