Property Atlas

County hazard profile

Hardin, KY

Kentucky · pop. 110,665 · FIPS 21093

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$36M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Hardin $36M

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 75.51/100
national median ~50 higher than 76% of counties
Social vulnerabilityRelatively Low 33.75/100
national median ~50 lower than most counties (34th percentile)
Community resilienceRelatively Moderate 56.33/100
national median ~50 near the national middle (56th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hardin

The National Flood Insurance Program has paid 474 flood-insurance claims totaling $9.9M in Hardin since 1978. The costliest year was 2025 ($4.0M paid).

Flood-insurance dollars paid by year of loss

1978: $15,531 paid 1979: $1,297 paid 1984: $2,793 paid 1987: $0 paid 1988: $0 paid 1989: $57,116 paid 1991: $19,928 paid 1994: $1,271 paid 1996: $18,491 paid 1997: $1,841,958 paid 1998: $2,995 paid 2000: $26,663 paid 2002: $6,762 paid 2003: $2,300 paid 2005: $6,841 paid 2006: $417,763 paid 2007: $0 paid 2008: $81,815 paid 2009: $42,599 paid 2010: $644,836 paid 2011: $634,488 paid 2012: $89,864 paid 2013: $100,774 paid 2014: $68,475 paid 2015: $168,487 paid 2016: $2,346 paid 2017: $174,341 paid 2018: $1,269,976 paid 2019: $83,827 paid 2021: $25,053 paid 2023: $23,263 paid 2025: $4,014,290 paid 2026: $14,384 paid 2025 · $4.0M 1978 2026
$9.9M
total paid
$20,803
average claim
$211K
largest single claim
69%
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 Hardin, KY and where it ranks among U.S. counties. It is not a verdict on whether Hardin 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.