Property Atlas

County hazard profile

Anderson, KY

Kentucky · pop. 23,852 · FIPS 21005

Very Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$11M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Anderson $11M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexVery Low 26.34/100
national median ~50 lower than most counties (26th percentile)
Social vulnerabilityVery Low 16.98/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 70.83/100
national median ~50 near the national middle (71st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Anderson

The National Flood Insurance Program has paid 59 flood-insurance claims totaling $1.4M in Anderson since 1978. The costliest year was 2025 ($774K paid).

Flood-insurance dollars paid by year of loss

1978: $232 paid 1989: $3,855 paid 1993: $0 paid 1994: $6,907 paid 1996: $28,150 paid 1997: $45,973 paid 1998: $10,849 paid 1999: $2,588 paid 2002: $4,484 paid 2003: $21,029 paid 2006: $157,144 paid 2008: $57,862 paid 2010: $154,314 paid 2013: $30,000 paid 2014: $0 paid 2015: $15,618 paid 2019: $0 paid 2021: $50,176 paid 2025: $774,199 paid 2025 · $774K 1978 2025
$1.4M
total paid
$23,108
average claim
$239K
largest single claim
66%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Anderson, KY and where it ranks among U.S. counties. It is not a verdict on whether Anderson is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.