Property Atlas

County hazard profile

Boyd, KY

Kentucky · pop. 48,202 · FIPS 21019

Relatively Low
FEMA risk rating · RATING
Heat Wave
dominant hazard
$29M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Boyd $29M

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 74.94/100
national median ~50 higher than 75% of counties
Social vulnerabilityRelatively Moderate 58.78/100
national median ~50 near the national middle (59th percentile)
Community resilienceRelatively Moderate 58.78/100
national median ~50 near the national middle (59th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Boyd

The National Flood Insurance Program has paid 462 flood-insurance claims totaling $7.1M in Boyd since 1978. The costliest year was 2002 ($1.1M paid).

Flood-insurance dollars paid by year of loss

1978: $43,693 paid 1979: $131,265 paid 1980: $5,615 paid 1981: $1,581 paid 1982: $1,892 paid 1983: $4,849 paid 1984: $20,381 paid 1987: $1,312 paid 1989: $101,040 paid 1990: $163,858 paid 1991: $25,856 paid 1992: $11,968 paid 1994: $32,366 paid 1996: $20,172 paid 1997: $798,129 paid 1998: $48,397 paid 2000: $277,211 paid 2001: $191,712 paid 2002: $1,096,659 paid 2003: $117,878 paid 2004: $655,195 paid 2005: $567 paid 2006: $39,746 paid 2007: $1,367 paid 2008: $4,806 paid 2009: $569,565 paid 2010: $512,254 paid 2011: $289,672 paid 2012: $14,816 paid 2013: $15,213 paid 2014: $53,378 paid 2015: $57,327 paid 2016: $28,698 paid 2017: $864,187 paid 2018: $46,402 paid 2020: $43,033 paid 2021: $273,417 paid 2023: $132,633 paid 2024: $7,125 paid 2025: $389,149 paid 2026: $0 paid 2002 · $1.1M 1978 2026
$7.1M
total paid
$15,356
average claim
$740K
largest single claim
49%
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 Boyd, KY and where it ranks among U.S. counties. It is not a verdict on whether Boyd 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.