Natural Disasters in Sanders, KY

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

23.4

Very Low

Expected Annual Loss

19.8

Score (0-100)

Social Vulnerability

65.4

Score (0-100)

Community Resilience

34.1

Score (0-100)

Top Hazard Risks

Tornado57.8Strong Wind56.4Ice Storm40.8

Hazard	Risk Score
Tornado	57.8
Strong Wind	56.4
Ice Storm	40.8
Landslide	36.5
Earthquake	35.0
Lightning	26.7
Cold Wave	23.5
Heat Wave	22.9
Drought	18.3
Winter Weather	14.5
Hurricane	12.9
Hail	11.0
Wildfire	2.7

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

11 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 16, 2025	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND LANDSLIDES
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 12, 2015	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDE
Mar 6, 2012	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS AND FLOODING
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
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
Mar 4, 1997	Severe Storm	SEVERE STORM, FLOODING, AND TORNADOES
Jan 13, 1996	Snowstorm	BLIZZARD OF 96
Jan 29, 1991	Flood	SEVERE STORMS & FLOODING

Showing 20 of 22 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

Total IA Distributed

$488,715

Repair/Replace

$237,591

Rental Assistance

$38,682

Disaster	Registrations	Total IA $	Avg Damage
DR-4057	2	N/A	$29
DR-4864	54	$422,827	$9,855
DR-4497	9	$56,859	—
DR-1976	3	$9,028	$3,315

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

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

Total Claims Paid

$1,612,652

Avg Claim Payout

$23,038

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

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$2,746,949

Disasters with PA

Total Projects

Disaster	Type	Projects	Federal $
DR-4361	Severe Storm(s)	19	$1,256,855
DR-4428	Severe Storm(s)	8	$791,858
DR-4239	Severe Storm(s)	10	$394,563
DR-1818	Severe Ice Storm	4	$96,713
DR-1802	Severe Storm(s)	4	$83,181
DR-1912	Severe Storm(s)	5	$59,176
DR-4864	Severe Storm(s)	2	$39,745
DR-1976	Severe Storm(s)	5	$24,858

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$365,582

Avg Benefit-Cost Ratio

2.04

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)	2	$242,880
200.1: Acquisition of Private Real Property (Structures and Land) - Riverine	2	$122,702

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

Sanders has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are tornado, strong wind, ice storm. The area has had 22 federal disaster declarations. The most common disaster type is severe storm (11 declarations). 70 flood insurance claims have been filed in the area. FEMA has obligated $2,746,949 in public assistance recovery funding. $488,715 has been distributed in individual assistance to disaster-affected residents. 4 hazard mitigation projects have been funded to reduce future risk.