Property Atlas

County hazard profile

Bath, KY

Kentucky · pop. 12,731 · FIPS 21011

Very Low
FEMA risk rating · RATING
Lightning
dominant hazard
$5M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Bath $5M

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 13.71/100
national median ~50 among the lowest nationally
Social vulnerabilityRelatively Moderate 56.04/100
national median ~50 near the national middle (56th percentile)
Community resilienceRelatively Low 23.12/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Bath

The National Flood Insurance Program has paid 100 flood-insurance claims totaling $1.4M in Bath since 1978. The costliest year was 2010 ($478K paid).

Flood-insurance dollars paid by year of loss

1978: $9,314 paid 1981: $17,243 paid 1989: $2,200 paid 1990: $6,654 paid 1994: $4,542 paid 1997: $106,010 paid 2002: $64,605 paid 2003: $4,540 paid 2004: $132,827 paid 2005: $14,391 paid 2006: $24,521 paid 2010: $477,718 paid 2012: $2,994 paid 2015: $142,389 paid 2018: $386,846 paid 2021: $4,528 paid 2024: $6,081 paid 2025: $12,621 paid 2010 · $478K 1978 2025
$1.4M
total paid
$14,200
average claim
$105K
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 Bath, KY and where it ranks among U.S. counties. It is not a verdict on whether Bath 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.