Natural Disasters in Winchester, KY

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

38.3

Very Low

Expected Annual Loss

47.2

Score (0-100)

Social Vulnerability

23.6

Score (0-100)

Community Resilience

79.0

Score (0-100)

Top Hazard Risks

Strong Wind80.0Tornado68.0Winter Weather65.9

Hazard	Risk Score
Strong Wind	80.0
Tornado	68.0
Winter Weather	65.9
Earthquake	59.4
Lightning	55.6
Ice Storm	48.9
Hail	47.3
Cold Wave	44.2
Heat Wave	43.6
Landslide	40.6
Hurricane	33.5
Drought	22.5
Wildfire	14.3

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

9 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
Nov 26, 2024	Tropical Storm	REMNANTS OF HURRICANE HELENE
Apr 10, 2023	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES
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
May 1, 2015	Flood	SEVERE STORMS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES
Apr 30, 2015	Snowstorm	SEVERE WINTER STORMS, SNOWSTORMS, FLOODING, LANDSLIDES, AND MUDSLIDES
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
Jun 10, 2004	Severe Storm	SEVERE STORMS, TORNADOES, FLOODING, AND MUDSLIDES
Mar 14, 2003	Severe Storm	SEVERE WINTER ICE AND SNOW STORMS, HEAVY RAIN, FLOODING, TORNADOES, AND MUD AND
Mar 3, 1998	Severe Storm	SEVERE WINTER STORM
Mar 4, 1997	Severe Storm	SEVERE STORM, FLOODING, AND TORNADOES

Showing 20 of 27 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

410

Total IA Distributed

$1,775,148

Repair/Replace

$721,386

Rental Assistance

$174,968

Disaster	Registrations	Total IA $	Avg Damage
DR-4663	2	N/A	—
DR-1841	1	N/A	—
DR-4864	94	$631,621	$15,687
DR-4497	84	$501,047	—
DR-1912	133	$269,349	$2,347
DR-4595	44	$215,272	$22,923
DR-1454	41	$140,037	$4,064
DR-1523	11	$17,823	$1,734

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

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

288

Total Claims Paid

$6,062,417

Avg Claim Payout

$21,050

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

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$8,842,604

Disasters with PA

Total Projects

101

Disaster	Type	Projects	Federal $
DR-4592	Severe Storm(s)	5	$3,123,558
DR-4848	Severe Storm(s)	10	$1,827,197
DR-1818	Severe Ice Storm	16	$1,373,639
DR-1454	Severe Storm(s)	16	$669,652
DR-4702	Severe Storm(s)	6	$300,547
DR-4217	Flood	2	$294,011
DR-4595	Severe Storm(s)	2	$228,262
DR-4239	Severe Storm(s)	2	$226,757
DR-1912	Severe Storm(s)	26	$191,749
DR-4497	Biological	2	$134,063
DR-4864	Severe Storm(s)	2	$127,074
DR-4216	Snow	5	$102,676
DR-1523	Severe Storm(s)	2	$82,028
DR-4875	Severe Storm(s)	2	$55,065
DR-4804	Severe Storm(s)	1	$53,683

Showing top 15 of 16 disasters by spending

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$534,598

Properties Protected

Avg Benefit-Cost Ratio

0.00

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
200.1: Acquisition of Private Real Property (Structures and Land) - Riverine	2	$443,514
601.1: Generators	2	$91,084

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

Winchester has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are strong wind, tornado, winter weather. The area has had 27 federal disaster declarations. The most common disaster type is severe storm (9 declarations). 288 flood insurance claims have been filed in the area. FEMA has obligated $8,842,604 in public assistance recovery funding. $1,775,148 has been distributed in individual assistance to disaster-affected residents. 4 hazard mitigation projects have been funded to reduce future risk.