Property Atlas

County hazard profile

McCracken, KY

Kentucky · pop. 67,799 · FIPS 21145

Relatively Moderate
FEMA risk rating · RATING
Earthquake
dominant hazard
$79M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr McCracken $79M

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 Moderate 89.66/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 45.55/100
national median ~50 near the national middle (46th percentile)
Community resilienceVery High 81.68/100
national median ~50 higher than 82% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in McCracken

The National Flood Insurance Program has paid 305 flood-insurance claims totaling $8.6M in McCracken since 1978. The costliest year was 2025 ($2.9M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $8,465 paid 1983: $5,866 paid 1984: $9,432 paid 1985: $72,004 paid 1986: $341 paid 1987: $0 paid 1988: $0 paid 1989: $27,115 paid 1990: $2,764 paid 1991: $3,342 paid 1996: $25,567 paid 1997: $300,762 paid 1998: $5,771 paid 2000: $33,152 paid 2002: $5,064 paid 2003: $4,421 paid 2006: $12,672 paid 2008: $0 paid 2009: $0 paid 2011: $2,804,624 paid 2013: $617,439 paid 2014: $13,004 paid 2015: $722,662 paid 2016: $24,502 paid 2017: $3,941 paid 2018: $43,069 paid 2019: $938,912 paid 2020: $34,442 paid 2021: $8,117 paid 2023: $13,625 paid 2025: $2,856,746 paid 2025 · $2.9M 1978 2025
$8.6M
total paid
$28,190
average claim
$302K
largest single claim
74%
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 McCracken, KY and where it ranks among U.S. counties. It is not a verdict on whether McCracken 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.