Property Atlas

County hazard profile

Oldham, KY

Kentucky · pop. 67,573 · FIPS 21185

Relatively Low
FEMA risk rating · RATING
Strong Wind
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 Oldham $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 55.98/100
national median ~50 near the national middle (56th percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 84.19/100
national median ~50 higher than 84% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Oldham

The National Flood Insurance Program has paid 1,082 flood-insurance claims totaling $27.3M in Oldham since 1978. The costliest year was 2025 ($7.7M paid).

Flood-insurance dollars paid by year of loss

1978: $235,124 paid 1979: $67,582 paid 1982: $0 paid 1983: $8,331 paid 1984: $1,446 paid 1986: $0 paid 1989: $50,940 paid 1990: $153,672 paid 1991: $261,988 paid 1992: $0 paid 1994: $20,692 paid 1995: $11,937 paid 1996: $459,968 paid 1997: $7,295,605 paid 1998: $4,453 paid 2000: $26,775 paid 2001: $0 paid 2002: $3,019 paid 2004: $20,882 paid 2005: $369,671 paid 2006: $97,605 paid 2007: $0 paid 2008: $27,806 paid 2009: $3,746 paid 2010: $8,885 paid 2011: $1,841,453 paid 2012: $0 paid 2013: $9,797 paid 2014: $61,032 paid 2015: $1,099,101 paid 2017: $128,709 paid 2018: $6,638,888 paid 2019: $323,830 paid 2020: $67,087 paid 2021: $282,095 paid 2022: $10,659 paid 2025: $7,716,074 paid 2025 · $7.7M 1978 2025
$27.3M
total paid
$25,239
average claim
$305K
largest single claim
81%
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 Oldham, KY and where it ranks among U.S. counties. It is not a verdict on whether Oldham 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.