Property Atlas

County hazard profile

Carter, KY

Kentucky · pop. 26,602 · FIPS 21043

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$14M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Carter $14M

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 52.74/100
national median ~50 near the national middle (53rd percentile)
Social vulnerabilityRelatively High 61.61/100
national median ~50 near the national middle (62nd percentile)
Community resilienceVery Low 11.83/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Carter

The National Flood Insurance Program has paid 449 flood-insurance claims totaling $9.0M in Carter since 1978. The costliest year was 2010 ($3.2M paid).

Flood-insurance dollars paid by year of loss

1978: $64,213 paid 1979: $0 paid 1982: $417 paid 1983: $518 paid 1989: $20,812 paid 1990: $2,584 paid 1991: $4,769 paid 1993: $408 paid 1997: $1,097,434 paid 2000: $17,160 paid 2001: $5,472 paid 2002: $1,189,883 paid 2003: $1,507,475 paid 2004: $113,225 paid 2006: $49,149 paid 2008: $14,453 paid 2010: $3,151,846 paid 2011: $0 paid 2012: $432,679 paid 2015: $733,831 paid 2016: $14,821 paid 2017: $305,981 paid 2018: $142,922 paid 2020: $0 paid 2021: $75,979 paid 2024: $5,937 paid 2025: $96,541 paid 2010 · $3.2M 1978 2025
$9.0M
total paid
$20,153
average claim
$333K
largest single claim
62%
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 Carter, KY and where it ranks among U.S. counties. It is not a verdict on whether Carter 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.