Property Atlas

County hazard profile

Martin, KY

Kentucky · pop. 11,285 · FIPS 21159

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$9M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Martin $9M

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 49.94/100
national median ~50 near the national middle (50th percentile)
Social vulnerabilityVery High 99.87/100
national median ~50 among the highest nationally
Community resilienceVery Low 3.47/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Martin

The National Flood Insurance Program has paid 462 flood-insurance claims totaling $6.6M in Martin since 1978. The costliest year was 2025 ($1.9M paid).

Flood-insurance dollars paid by year of loss

1978: $85,869 paid 1980: $112,770 paid 1981: $1,347 paid 1982: $31,071 paid 1984: $1,146,779 paid 1986: $35,425 paid 1987: $247 paid 1989: $10,421 paid 1991: $26,091 paid 1994: $22,611 paid 1996: $7,327 paid 1997: $11,180 paid 1998: $0 paid 2002: $28,982 paid 2003: $290,367 paid 2004: $1,131,283 paid 2005: $389,200 paid 2007: $14,730 paid 2009: $0 paid 2011: $72,442 paid 2012: $0 paid 2013: $0 paid 2014: $108,944 paid 2015: $13,181 paid 2016: $0 paid 2019: $204,097 paid 2020: $0 paid 2021: $856,891 paid 2022: $14,070 paid 2023: $0 paid 2024: $43,131 paid 2025: $1,945,025 paid 2025 · $1.9M 1978 2025
$6.6M
total paid
$14,293
average claim
$1.0M
largest single claim
26%
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 Martin, KY and where it ranks among U.S. counties. It is not a verdict on whether Martin 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.