Property Atlas

County hazard profile

Jefferson, KY

Kentucky · pop. 782,833 · FIPS 21111

Relatively High
FEMA risk rating · RATING
Tornado
dominant hazard
$342M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Jefferson $342M

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 High 98.28/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 54.87/100
national median ~50 near the national middle (55th percentile)
Community resilienceRelatively High 76.62/100
national median ~50 higher than 77% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Jefferson

The National Flood Insurance Program has paid 5,548 flood-insurance claims totaling $98.7M in Jefferson since 1978. The costliest year was 1997 ($29.4M paid).

Flood-insurance dollars paid by year of loss

1978: $734,504 paid 1979: $323,510 paid 1980: $8,151 paid 1981: $1,119 paid 1982: $21,903 paid 1983: $291,182 paid 1984: $32,817 paid 1985: $71,153 paid 1986: $0 paid 1987: $24,465 paid 1988: $0 paid 1989: $407,352 paid 1990: $652,584 paid 1991: $410,794 paid 1992: $130,241 paid 1993: $129,506 paid 1994: $312,395 paid 1995: $172,344 paid 1996: $994,545 paid 1997: $29,438,303 paid 1998: $118,304 paid 1999: $236,714 paid 2000: $490,985 paid 2001: $251,479 paid 2002: $164,578 paid 2003: $344,816 paid 2004: $734,149 paid 2005: $964,796 paid 2006: $5,608,737 paid 2007: $7,936 paid 2008: $742,789 paid 2009: $3,275,326 paid 2010: $89,092 paid 2011: $5,006,632 paid 2012: $111,847 paid 2013: $4,621,283 paid 2014: $35,028 paid 2015: $12,737,081 paid 2016: $0 paid 2017: $23,614 paid 2018: $13,601,016 paid 2019: $757,544 paid 2020: $112,139 paid 2021: $571,122 paid 2022: $168,090 paid 2023: $69,670 paid 2024: $4,562 paid 2025: $13,730,740 paid 1997 · $29.4M 1978 2025
$98.7M
total paid
$17,797
average claim
$1.0M
largest single claim
77%
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 Jefferson, KY and where it ranks among U.S. counties. It is not a verdict on whether Jefferson 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.