Property Atlas

County hazard profile

Henderson, KY

Kentucky · pop. 44,764 · FIPS 21101

Relatively Low
FEMA risk rating · RATING
Earthquake
dominant hazard
$29M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Henderson $29M

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 73.16/100
national median ~50 near the national middle (73rd percentile)
Social vulnerabilityRelatively Moderate 53.75/100
national median ~50 near the national middle (54th percentile)
Community resilienceRelatively Moderate 59.96/100
national median ~50 near the national middle (60th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Henderson

The National Flood Insurance Program has paid 380 flood-insurance claims totaling $6.3M in Henderson since 1979. The costliest year was 2025 ($1.7M paid).

Flood-insurance dollars paid by year of loss

1979: $0 paid 1981: $3,395 paid 1982: $7,650 paid 1983: $125,434 paid 1984: $6,107 paid 1985: $3,960 paid 1989: $0 paid 1995: $43,831 paid 1996: $75,256 paid 1997: $416,033 paid 1998: $21,074 paid 2000: $37,494 paid 2001: $2,526 paid 2005: $1,429,916 paid 2006: $782,102 paid 2007: $0 paid 2008: $395,576 paid 2009: $524 paid 2011: $451,645 paid 2012: $0 paid 2014: $5,890 paid 2015: $24,781 paid 2016: $0 paid 2018: $783,513 paid 2019: $22,523 paid 2020: $4,163 paid 2024: $25,453 paid 2025: $1,662,345 paid 2025 · $1.7M 1979 2025
$6.3M
total paid
$16,661
average claim
$398K
largest single claim
94%
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 Henderson, KY and where it ranks among U.S. counties. It is not a verdict on whether Henderson 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.