Natural Disasters in St. Mary, KY

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

30.2

Very Low

Expected Annual Loss

30.9

Score (0-100)

Social Vulnerability

51.6

Score (0-100)

Community Resilience

61.6

Score (0-100)

Top Hazard Risks

Hail65.0Strong Wind64.9Tornado61.9

Hazard	Risk Score
Hail	65.0
Strong Wind	64.9
Tornado	61.9
Earthquake	60.6
Ice Storm	57.0
Winter Weather	56.7
Cold Wave	46.7
Lightning	42.6
Hurricane	37.0
Landslide	35.4
Drought	29.8
Heat Wave	27.9
Wildfire	11.1

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

10 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
Apr 10, 2023	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES
Dec 12, 2021	Tornado	SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND TORNADOES
Apr 23, 2021	Flood	SEVERE, STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES
Mar 31, 2021	Severe Ice Storm	SEVERE WINTER STORMS, 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
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
Sep 10, 2005	Hurricane	HURRICANE KATRINA
May 7, 2002	Severe Storm	SEVERE STORMS, TORNADOES AND FLOODING
Mar 4, 1997	Severe Storm	SEVERE STORM, FLOODING, AND TORNADOES
Jan 13, 1996	Snowstorm	BLIZZARD OF 96
Mar 16, 1994	Snowstorm	SEVERE WEATHER, FREEZING RAIN, SLEET, SNW

Showing 20 of 23 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

151

Total IA Distributed

$568,413

Repair/Replace

$194,779

Rental Assistance

$8,834

Disaster	Registrations	Total IA $	Avg Damage
DR-4497	54	$341,061	—
DR-1912	56	$169,771	$4,285
DR-4630	39	$38,240	$1,125
DR-4864	2	$19,342	$8,516

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

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

Total Claims Paid

$136,282

Avg Claim Payout

$13,628

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

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$756,552

Disasters with PA

Total Projects

Disaster	Type	Projects	Federal $
DR-1818	Severe Ice Storm	16	$289,448
DR-1912	Severe Storm(s)	43	$206,784
DR-1976	Severe Storm(s)	4	$89,316
DR-4630	Tornado	4	$62,535
DR-4702	Severe Storm(s)	2	$49,987
DR-4428	Severe Storm(s)	1	$45,601
DR-1414	Severe Storm(s)	2	$12,882

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$342,485

Avg Benefit-Cost Ratio

1.11

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	$93,000
403.1: Stormwater Management - Culverts	1	$36,163
402.1: Infrastructure Protective Measures (Roads and Bridges)	1	$213,322

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

St. Mary has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are hail, strong wind, tornado. The area has had 23 federal disaster declarations. The most common disaster type is severe storm (10 declarations). 10 flood insurance claims have been filed in the area. FEMA has obligated $756,552 in public assistance recovery funding. $568,413 has been distributed in individual assistance to disaster-affected residents. 4 hazard mitigation projects have been funded to reduce future risk.