Natural Disasters in Prospect, KY

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

56.0

Relatively Low

Expected Annual Loss

71.7

Score (0-100)

Social Vulnerability

10.6

Score (0-100)

Community Resilience

84.2

Score (0-100)

Top Hazard Risks

Strong Wind89.5Tornado85.5Lightning64.5

Hazard	Risk Score
Strong Wind	89.5
Tornado	85.5
Lightning	64.5
Ice Storm	59.7
Earthquake	56.1
Cold Wave	54.2
Heat Wave	36.5
Winter Weather	35.2
Hail	24.9
Drought	22.9
Landslide	22.4
Wildfire	16.5
Hurricane	8.7

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

12 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
May 22, 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
Mar 28, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
Apr 26, 2018	Flood	SEVERE STORMS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES
May 1, 2015	Flood	SEVERE STORMS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES
May 4, 2011	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Aug 14, 2009	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS 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
Jun 10, 2004	Severe Storm	SEVERE STORMS, TORNADOES, FLOODING, AND MUDSLIDES
Jun 3, 2003	Severe Storm	SEVERE STORMS, FLOODING, MUD AND ROCK SLIDES, AND TORNADOES
Mar 4, 1997	Severe Storm	SEVERE STORM, FLOODING, AND TORNADOES

Showing 20 of 25 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

4,507

Total IA Distributed

$9,973,494

Repair/Replace

$1,911,619

Rental Assistance

$359,524

Disaster	Registrations	Total IA $	Avg Damage
DR-4630	1	N/A	—
DR-4534	1	N/A	—
DR-4875	1	N/A	—
DR-1471	2	N/A	—
DR-4497	980	$5,807,719	—
DR-4864	352	$1,680,307	$8,261
DR-4515	179	$1,022,136	—
DR-4363	215	$393,642	$5,459
DR-1795	1,999	$275,711	$449
DR-1855	282	$241,028	$675

Showing top 10 of 19 disasters by IA amount

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

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

5,548

Total Claims Paid

$98,673,429

Avg Claim Payout

$17,785

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

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$122,278,251

Disasters with PA

Total Projects

606

Disaster	Type	Projects	Federal $
DR-4497	Biological	15	$97,249,642
DR-1818	Severe Ice Storm	167	$9,286,436
DR-1855	Severe Storm(s)	154	$5,004,674
DR-1802	Severe Storm(s)	131	$4,993,369
DR-4361	Severe Storm(s)	43	$2,173,323
DR-4860	Other	25	$1,160,333
DR-4702	Severe Storm(s)	39	$1,151,804
DR-4217	Flood	13	$753,087
DR-4864	Severe Storm(s)	15	$466,556
DR-1537	Severe Storm(s)	1	$21,266
DR-1976	Severe Storm(s)	2	$10,998
DR-1912	Severe Storm(s)	1	$6,761

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$8,149,266

Properties Protected

Avg Benefit-Cost Ratio

2.20

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
202.1: Elevation of Private Structures - Riverine	7	$5,752,186
200.1: Acquisition of Private Real Property (Structures and Land) - Riverine; 202.1: Elevation of Private Structures - Riverine	2	$2,312,906
403.1: Stormwater Management - Culverts; 403.2: Stormwater Management - Diversions	2	$0
91.3: Local Multihazard Mitigation Plan - UPDATE; 95.2: Planning Related Activities	2	$0
601.1: Generators	2	$84,174

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

Prospect has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are strong wind, tornado, lightning. The area has had 25 federal disaster declarations. The most common disaster type is severe storm (12 declarations). 5,548 flood insurance claims have been filed in the area. FEMA has obligated $122,278,251 in public assistance recovery funding. $9,973,494 has been distributed in individual assistance to disaster-affected residents. 16 hazard mitigation projects have been funded to reduce future risk.