Property Atlas

County hazard profile

Daviess, KY

Kentucky · pop. 103,266 · FIPS 21059

Relatively Moderate
FEMA risk rating · RATING
Ice Storm
dominant hazard
$70M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Daviess $70M

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 Moderate 88.14/100
national median ~50 higher than 88% of counties
Social vulnerabilityRelatively Moderate 46.02/100
national median ~50 near the national middle (46th percentile)
Community resilienceVery High 84.45/100
national median ~50 higher than 84% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Daviess

The National Flood Insurance Program has paid 325 flood-insurance claims totaling $3.5M in Daviess since 1978. The costliest year was 1997 ($1.1M paid).

Flood-insurance dollars paid by year of loss

1978: $65 paid 1979: $6,866 paid 1980: $36,549 paid 1981: $7,125 paid 1982: $1,411 paid 1983: $78,246 paid 1984: $14,993 paid 1988: $4,244 paid 1989: $1,648 paid 1992: $0 paid 1993: $6,164 paid 1995: $6,238 paid 1997: $1,087,250 paid 1998: $20,404 paid 2000: $11,899 paid 2001: $3,816 paid 2002: $1,571 paid 2003: $0 paid 2004: $20,563 paid 2005: $0 paid 2006: $47,589 paid 2007: $15,504 paid 2008: $24,193 paid 2009: $5,272 paid 2010: $10,427 paid 2011: $474,658 paid 2013: $28,542 paid 2014: $0 paid 2015: $9,380 paid 2016: $128,407 paid 2017: $1,764 paid 2018: $358,578 paid 2019: $4,772 paid 2020: $166,731 paid 2021: $79,996 paid 2022: $70,072 paid 2023: $99,530 paid 2024: $0 paid 2025: $707,745 paid 1997 · $1.1M 1978 2025
$3.5M
total paid
$10,899
average claim
$195K
largest single claim
74%
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 Daviess, KY and where it ranks among U.S. counties. It is not a verdict on whether Daviess 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.