Property Atlas

County hazard profile

Clark, KY

Kentucky · pop. 36,972 · FIPS 21049

Very Low
FEMA risk rating · RATING
Strong Wind
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 Clark $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 indexVery Low 38.3/100
national median ~50 lower than most counties (38th percentile)
Social vulnerabilityRelatively Low 23.63/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 79.01/100
national median ~50 higher than 79% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Clark

The National Flood Insurance Program has paid 288 flood-insurance claims totaling $6.1M in Clark since 1978. The costliest year was 2021 ($2.2M paid).

Flood-insurance dollars paid by year of loss

1978: $365,181 paid 1984: $323,204 paid 1986: $0 paid 1989: $102,242 paid 1990: $34,113 paid 1991: $679 paid 1992: $668 paid 1993: $6,291 paid 1994: $615 paid 1995: $0 paid 1996: $27,902 paid 1997: $47,689 paid 1998: $19,993 paid 2001: $575 paid 2002: $208,084 paid 2003: $480,593 paid 2004: $58,402 paid 2006: $18,016 paid 2009: $2,086 paid 2010: $1,088,338 paid 2011: $0 paid 2015: $17,380 paid 2016: $5,628 paid 2018: $40,008 paid 2019: $12,644 paid 2020: $8,234 paid 2021: $2,186,410 paid 2022: $0 paid 2024: $0 paid 2025: $1,007,441 paid 2021 · $2.2M 1978 2025
$6.1M
total paid
$21,050
average claim
$339K
largest single claim
70%
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 Clark, KY and where it ranks among U.S. counties. It is not a verdict on whether Clark 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.