Natural Disasters in St. Joseph, KY

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

88.1

Relatively Moderate

Expected Annual Loss

87.8

Score (0-100)

Social Vulnerability

46.0

Score (0-100)

Community Resilience

84.4

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

19

Public Assistance

$13.1M

Individual Assistance

$1.8M

Most Common Type

Severe Storm

10 declarations

DisasterTypeDatePA $IA $
Severe Winter Storm →Winter StormJan 2026——
Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides →Severe StormApr 2025$28K$1.3M
Severe Storms, Straight-line Winds, Tornadoes, and Flooding →Severe StormApr 2025——
Severe Storms, Straight-line Winds, Flooding, and Landslides →Severe StormFeb 2025——
Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides →Severe StormApr 2023$286K—
Covid-19 Pandemic →BiologicalMar 2020$2.5M$372K
Covid-19 →BiologicalMar 2020——
Severe Storm, Tornadoes, Flooding, Landslides, and Mudslides →Severe StormAug 2016$381K—
Severe Winter Storm, Snowstorm, Flooding, Landslides, and Mudslides →FloodMay 2015$88K—
Severe Storms, Tornadoes, and Flooding →Severe StormMay 2011$9K$101K
Severe Winter Storm and Flooding →Severe Ice StormFeb 2009$4.3M—
Severe Winter Storm →Severe Ice StormJan 2009——
Severe Wind Storm Associated With Tropical Depression Ike →Severe StormOct 2008$2.1M—
Hurricane Katrina →HurricaneSep 2005——
Severe Storms and Flooding →Severe StormAug 2004$192K—
Severe Storms, Tornadoes, Flooding, and Mudslides →Severe StormJun 2004$472K$17K
Tornadoes, Severe Storms, Torrential Rains, and Flash Flooding →TornadoJan 2000$2.8M—
Severe Storm, Flooding, and Tornadoes →Severe StormMar 1997——
Blizzard of 96 →SnowstormJan 1996——
Covid-19 Pandemic →Unknown——$2K

Showing 20 of 21 disasters

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

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

325

Total Claims Paid

$3,542,210

Avg Claim Payout

$10,899

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

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

11

Federal Funding

$1,964,835

Properties Protected

18

Avg Benefit-Cost Ratio

0.84

BCR

Top Mitigation Project Types

Project TypeProjectsFederal $
600.1: Warning Systems (as a Component of a Planned, Adopted, and Exercised Risk Reduction Plan)3$60,035
403.4: Stormwater Management - Detention/Retention Basins3$0
200.1: Acquisition of Private Real Property (Structures and Land) - Riverine2$1,625,344
601.1: Generators1$0
106.1: Other Non Construction (Regular Project Only)1$0

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

St. Joseph has a relatively moderate overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are ice storm, earthquake, strong wind. The area has had 19 federal disaster declarations. The most common disaster type is severe storm (10 declarations). 325 flood insurance claims have been filed in the area. FEMA has obligated $13,103,739 in public assistance recovery funding. $1,785,790 has been distributed in individual assistance to disaster-affected residents. 11 hazard mitigation projects have been funded to reduce future risk.