Property Atlas

County hazard profile

Hart, KY

Kentucky · pop. 19,277 · FIPS 21099

Very Low
FEMA risk rating · RATING
Hail
dominant hazard
$10M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Hart $10M

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 indexVery Low 41.13/100
national median ~50 near the national middle (41st percentile)
Social vulnerabilityRelatively High 75.8/100
national median ~50 higher than 76% of counties
Community resilienceRelatively Moderate 45.17/100
national median ~50 near the national middle (45th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hart

The National Flood Insurance Program has paid 11 flood-insurance claims totaling $222K in Hart since 1982. The costliest year was 2010 ($157K paid).

Flood-insurance dollars paid by year of loss

1982: $678 paid 2010: $157,139 paid 2018: $0 paid 2019: $26,574 paid 2021: $37,893 paid 2025: $0 paid 2010 · $157K 1982 2025
$222K
total paid
$20,208
average claim
$93K
largest single claim
55%
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 Hart, KY and where it ranks among U.S. counties. It is not a verdict on whether Hart 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.