Property Atlas

County hazard profile

Bourbon, KY

Kentucky · pop. 20,246 · FIPS 21017

Very Low
FEMA risk rating · RATING
Strong Wind
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 Bourbon $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 39.38/100
national median ~50 lower than most counties (39th percentile)
Social vulnerabilityRelatively Moderate 58.3/100
national median ~50 near the national middle (58th percentile)
Community resilienceVery High 82.47/100
national median ~50 higher than 82% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Bourbon

The National Flood Insurance Program has paid 395 flood-insurance claims totaling $6.5M in Bourbon since 1978. The costliest year was 2015 ($2.1M paid).

Flood-insurance dollars paid by year of loss

1978: $102,355 paid 1979: $55,209 paid 1980: $0 paid 1983: $18,142 paid 1989: $98,001 paid 1990: $50,287 paid 1991: $4,972 paid 1995: $4,350 paid 1996: $2,035 paid 1997: $1,728,273 paid 1998: $117,349 paid 2002: $45,638 paid 2003: $11,306 paid 2004: $235,353 paid 2006: $15,954 paid 2008: $225,853 paid 2009: $7,809 paid 2010: $1,102,725 paid 2011: $287,282 paid 2014: $0 paid 2015: $2,119,809 paid 2018: $30,397 paid 2019: $2,742 paid 2020: $196,616 paid 2025: $3,699 paid 2015 · $2.1M 1978 2025
$6.5M
total paid
$16,370
average claim
$193K
largest single claim
72%
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 Bourbon, KY and where it ranks among U.S. counties. It is not a verdict on whether Bourbon 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.