Property Atlas

County hazard profile

Bell, KY

Kentucky · pop. 24,010 · FIPS 21013

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$19M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Bell $19M

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 indexRelatively Low 68/100
national median ~50 near the national middle (68th percentile)
Social vulnerabilityVery High 80.76/100
national median ~50 higher than 81% of counties
Community resilienceVery Low 13.58/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Bell

The National Flood Insurance Program has paid 566 flood-insurance claims totaling $7.4M in Bell since 1978. The costliest year was 2011 ($3.1M paid).

Flood-insurance dollars paid by year of loss

1978: $4,373 paid 1979: $0 paid 1980: $0 paid 1981: $5,575 paid 1982: $482 paid 1983: $0 paid 1984: $328,074 paid 1986: $0 paid 1987: $0 paid 1988: $0 paid 1989: $169,073 paid 1990: $33,111 paid 1991: $116,848 paid 1993: $301,983 paid 1994: $315,662 paid 1996: $334,516 paid 1997: $161,841 paid 1998: $663,018 paid 1999: $0 paid 2002: $436,580 paid 2003: $27,766 paid 2010: $14,086 paid 2011: $3,113,292 paid 2014: $2,664 paid 2015: $63,586 paid 2016: $0 paid 2017: $1,559 paid 2018: $101,179 paid 2019: $14,960 paid 2020: $501,132 paid 2021: $576,268 paid 2022: $5,144 paid 2025: $72,864 paid 2026: $0 paid 2011 · $3.1M 1978 2026
$7.4M
total paid
$13,013
average claim
$445K
largest single claim
80%
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 Bell, KY and where it ranks among U.S. counties. It is not a verdict on whether Bell 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.