Property Atlas

County hazard profile

Rowan, KY

Kentucky · pop. 24,652 · FIPS 21205

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$13M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Rowan $13M

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 47.9/100
national median ~50 near the national middle (48th percentile)
Social vulnerabilityRelatively High 61.29/100
national median ~50 near the national middle (61st percentile)
Community resilienceRelatively Moderate 50.1/100
national median ~50 near the national middle (50th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Rowan

The National Flood Insurance Program has paid 293 flood-insurance claims totaling $5.1M in Rowan since 1978. The costliest year was 2010 ($2.5M paid).

Flood-insurance dollars paid by year of loss

1978: $1,566 paid 1979: $26,937 paid 1989: $1,783 paid 1990: $3,537 paid 1997: $7,765 paid 2001: $5,782 paid 2002: $275,736 paid 2003: $13,823 paid 2004: $330,318 paid 2006: $4,500 paid 2010: $2,493,154 paid 2011: $754 paid 2015: $1,360,206 paid 2016: $3,470 paid 2017: $154,194 paid 2018: $367,075 paid 2020: $0 paid 2021: $22,610 paid 2024: $3,295 paid 2026: $0 paid 2010 · $2.5M 1978 2026
$5.1M
total paid
$17,326
average claim
$223K
largest single claim
88%
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 Rowan, KY and where it ranks among U.S. counties. It is not a verdict on whether Rowan 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.