Property Atlas

County hazard profile

Fayette, KY

Kentucky · pop. 322,301 · FIPS 21067

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$113M
modeled expected annual loss/yr

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

lower than most counties (35th percentile)

national median $15M/yr Fayette $113M

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 92.05/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 39.47/100
national median ~50 lower than most counties (39th percentile)
Community resilienceRelatively High 75/100
national median ~50 higher than 75% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Fayette

The National Flood Insurance Program has paid 453 flood-insurance claims totaling $5.3M in Fayette since 1978. The costliest year was 2006 ($999K paid).

Flood-insurance dollars paid by year of loss

1978: $332,534 paid 1979: $127,466 paid 1980: $170 paid 1981: $488 paid 1982: $772 paid 1983: $5,997 paid 1984: $361,196 paid 1989: $60,128 paid 1990: $1,287 paid 1991: $11,726 paid 1992: $340,434 paid 1993: $61,316 paid 1994: $3,445 paid 1995: $6,884 paid 1996: $107,695 paid 1997: $276,601 paid 1998: $169,608 paid 2000: $132,384 paid 2002: $100,133 paid 2003: $215,324 paid 2004: $82,922 paid 2006: $999,072 paid 2007: $12,980 paid 2008: $162,959 paid 2010: $773,061 paid 2011: $1,746 paid 2013: $25,029 paid 2014: $4,358 paid 2015: $116,279 paid 2017: $6,062 paid 2018: $5,049 paid 2019: $86,040 paid 2021: $401,449 paid 2022: $0 paid 2023: $16,731 paid 2024: $0 paid 2025: $289,906 paid 2006 · $999K 1978 2025
$5.3M
total paid
$11,698
average claim
$305K
largest single claim
51%
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 Fayette, KY and where it ranks among U.S. counties. It is not a verdict on whether Fayette 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.