Property Atlas

County hazard profile

Franklin, KY

Kentucky · pop. 51,521 · FIPS 21073

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$25M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Franklin $25M

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 64.47/100
national median ~50 near the national middle (64th percentile)
Social vulnerabilityRelatively Low 32.44/100
national median ~50 lower than most counties (32nd percentile)
Community resilienceRelatively High 78.21/100
national median ~50 higher than 78% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Franklin

The National Flood Insurance Program has paid 1,518 flood-insurance claims totaling $32.0M in Franklin since 1978. The costliest year was 2025 ($13.9M paid).

Flood-insurance dollars paid by year of loss

1978: $2,009,362 paid 1979: $20,789 paid 1981: $655 paid 1983: $253 paid 1984: $288,715 paid 1985: $0 paid 1986: $47,942 paid 1987: $0 paid 1988: $10,466 paid 1989: $3,502,622 paid 1990: $75,842 paid 1991: $4,475 paid 1992: $11,236 paid 1994: $171,487 paid 1995: $24,541 paid 1996: $26,534 paid 1997: $4,479,129 paid 1998: $4,317 paid 2000: $14,178 paid 2002: $22,941 paid 2003: $16,700 paid 2004: $5,346 paid 2006: $301,657 paid 2008: $186,130 paid 2010: $5,510,651 paid 2011: $27,224 paid 2013: $17,065 paid 2014: $4,753 paid 2015: $505,711 paid 2016: $0 paid 2017: $1,124 paid 2018: $54,262 paid 2021: $740,769 paid 2025: $13,874,695 paid 2025 · $13.9M 1978 2025
$32.0M
total paid
$21,055
average claim
$629K
largest single claim
78%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Franklin, KY and where it ranks among U.S. counties. It is not a verdict on whether Franklin 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.