Property Atlas

County hazard profile

Floyd, KY

Kentucky · pop. 35,808 · FIPS 21071

Relatively Moderate
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$106M
modeled expected annual loss/yr

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

lower than most counties (33rd percentile)

national median $15M/yr Floyd $106M

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 94.18/100
national median ~50 among the highest nationally
Social vulnerabilityVery High 84.26/100
national median ~50 higher than 84% of counties
Community resilienceRelatively Moderate 42.75/100
national median ~50 near the national middle (43rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Floyd

The National Flood Insurance Program has paid 2,615 flood-insurance claims totaling $37.2M in Floyd since 1978. The costliest year was 2025 ($8.8M paid).

Flood-insurance dollars paid by year of loss

1978: $35,698 paid 1979: $3,127 paid 1980: $1,336 paid 1981: $118,660 paid 1982: $9,342 paid 1983: $0 paid 1984: $6,106,198 paid 1985: $6,316 paid 1987: $700 paid 1989: $646,891 paid 1990: $0 paid 1991: $192,971 paid 1992: $0 paid 1993: $9,144 paid 1994: $118,797 paid 1995: $219,979 paid 1996: $47,029 paid 1997: $232,694 paid 1998: $955,695 paid 1999: $8,175 paid 2000: $8,822 paid 2001: $385,983 paid 2002: $54,220 paid 2003: $2,720,317 paid 2004: $2,261,136 paid 2005: $193,409 paid 2006: $16,611 paid 2007: $580,529 paid 2008: $0 paid 2009: $4,155,531 paid 2010: $17,198 paid 2011: $136,138 paid 2012: $19,688 paid 2013: $163,253 paid 2014: $1,135,439 paid 2015: $616,577 paid 2016: $15,269 paid 2017: $0 paid 2018: $289,179 paid 2019: $197,891 paid 2020: $802,142 paid 2021: $2,059,272 paid 2022: $3,626,156 paid 2023: $208,281 paid 2024: $8,955 paid 2025: $8,811,637 paid 2025 · $8.8M 1978 2025
$37.2M
total paid
$14,224
average claim
$500K
largest single claim
64%
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 Floyd, KY and where it ranks among U.S. counties. It is not a verdict on whether Floyd 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.