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Risk: Very Low

Bath County, KY Environment & Hazard Risk

Very Low natural hazard risk, led by lightning. 421 storm events since 1996.

Expected yearly loss
$4.9M
Very Low nationally
Storm events since 1996
421
Most often thunderstorm wind
Flood insurance policies
43
0.7% of homes
Hurricanes nearby
0
1 tropical storm or stronger since 1995

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 13.7 of 100

Social vulnerability

Relatively Moderate

Score 56.0 of 100

Community resilience

Relatively Low

Score 23.1 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $2B · Agriculture value exposed: $23.6M · Risk-adjusted yearly loss: $5.9M

Risk by hazard

  • LightningRelatively Moderate$491K/yr expected annual loss, about 51 events a year
  • Winter weatherRelatively Low$42.8K/yr expected annual loss, about 15 events a year
  • LandslideVery Low$627/yr expected annual loss, about once every 2 years
  • Strong windRelatively Low$341K/yr expected annual loss, about 5.0 events a year
  • EarthquakeVery Low$89.5K/yr expected annual loss, about once every 531 years
  • Heat waveVery Low$136K/yr expected annual loss, about 2.8 events a year
  • TornadoRelatively Low$517K/yr expected annual loss, about once every 10 years
  • HurricaneVery Low$9,318/yr expected annual loss, about once every 43 years
  • WildfireVery Low$9,955/yr expected annual loss, about once every 1,706 years
  • HailVery Low$84.8K/yr expected annual loss, about 3.1 events a year
  • DroughtVery Low$5,553/yr expected annual loss, about 2.8 events a year
  • Ice stormVery Low$15.7K/yr expected annual loss, about once every 2 years
  • Cold waveVery Low$179K/yr expected annual loss, about 1.1 events a year

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
43 of 6,247 (0.7%)
Homes in high-risk flood zones
304
Insured in high-risk zones
39 (13%)
Flood claims since 1978
100
Claims paid since 1978
$1.4M

Flood claims paid per year

Flood claims paid per year in Bath County
  • Flooding$115K · 8 claims
  • February Kentucky Flooding$9,650 · 1 claim
  • Not a named storm$9,314 · 6 claims
  • Central U.S. April Flooding$2,971 · 1 claim

Storm history

Since 1996: 421 events, 7 deaths, $17.6M in damage

  • Thunderstorm Wind196
  • Flash Flood46 · 1 death
  • Hail45
  • Heavy Snow30
  • Winter Weather21
  • Flood17 · 5 deaths
  • Frost/Freeze11
  • Ice Storm9
  • Strong Wind8
  • High Wind8

Events per year

Storm events per year in Bath County
18
20
13
25
26
25
14
16
28
7
8
12
19
8
20
25
13
40
4

9 tornadoes on record (EF0 3, EF1 4, F0 1, F1 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flood04/29/2020

    Moores Ferry, Bath County

    5 deaths, $3,000 damage

    What happened

    A low lying road near Peasticks and Salt Lick in Bath County, Adams Road, saw water levels gradually come up and produce a steady stream of flowing water as daily rainfall amounts topped out at 1-1.5 inches. An Amish family, initially attempting to cross this, decided to turn around. However, their horse lost its footing and slipped into the water, causing the carriage to overturn and plummet into the water. The horse and adult driving the carriage escaped the water, but all five children on board were swept downstream and unfortunately perished.

  • Heavy Snow02/04/1998

    Bath

    1 injured, $10M damage

    What happened

    A major snowstorm affected eastern Kentucky from the evening of February 3 into the morning of February 6. Snowfall totals for the storm ranged from around 4 inches in valley locations near the Virginia border to as much as 2 feet in areas from Whitley City to Flemingsburg. The greatest snowfalls during the storm occurred in two distinct periods. The first round of heavy snow, which affected nearly all of eastern Kentucky, began during the evening of February 3, and extended into February 4. Heavy snow tapered off during the night of February 4-5, but redeveloped again during the afternoon of February 5 and extended into the early morning of February 6. This second round of heavy snow mainly affected the northern half of eastern Kentucky.The first round of heavy snow resulted in a general 10 to 18 inches in areas along and west of a line from Williamsburg to Morehead, with amounts decreasing to around 4 inches in valley locations near the Virginia border. The second round of heavy snow brought 4 inches or more to areas generally along and north of a line from Irvine to Phelps. The second round of heavy snow resulted in as much as 10 inches in areas from Frenchburg to near...

  • Flash Flood01/08/1998

    Owingsville, Bath County

    1 death

    What happened

    Heavy rain of up to 6 inches resulted in flash flooding in areas from Somerset to Flemingsburg. In many areas streams were out of their banks and numerous roads were flooded. In Pulaski County, near Bronston, a car was swept away by flood waters and several houses were surrounded by water. In Bath County, a 62 year old woman fell from a foot bridge, and was drowned in a flooded creek.

  • Lightning08/25/2023

    Pebble, Bath County

    1 death

    What happened

    A 39-year old male was struck and killed by lightning just south of Sherburne.

  • Winter Weather01/02/2014

    Bath

    3 injured

    What happened

    Several accidents occurred along I-64 in Bath county. One accident involved an injury and blocked the eastbound lanes of the interstate for 6 hours. A couple of injury accidents occurred on secondary roads.

  • Flood05/31/2004

    Bath

    $2M damage

    What happened

    On the afternoon of May 30th, a warm front was draped across eastern Kentucky. With extremely moist and unstable air, this boundary helped spark the beginning of a most unusual event for eastern Kentucky, and for that matter, for the country. Countless supercell thunderstorms developed along this boundary for hours on end, causing widespread tree damage and damage to structures. Flash flooding was also occurring with these storms which contained torrential rain. Unfortunately for eastern Kentucky, this was not the end to the severe weather or the flooding. Later in the night, mostly in the early hours of May 31st, a potent cold front burst through, bringing destruction to most if not all eastern Kentucky counties. Also, so much rain had fallen from the previous afternoon and evening, coupled with more heavy rain during the morning of May 31st, that widespread aerial flooding occurred. For some counties, as was the case for Estill and Powell Counties, the aerial flooding lasted for days. The cost of these storms totaled easily in the millions.

Drinking water

3 community water systems serve about 16,722 people. Violations since 2021.

2 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 0 toxic release facilities in Bath County

No Superfund sites or toxic release facilities in Bath County in our data.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk7 historic places

Frequently asked questions

How risky is Bath County for natural disasters?
FEMA rates Bath County very low for overall natural hazard risk, with expected losses of $4.9M a year. The highest-rated hazards are lightning (relatively moderate), winter weather (relatively low), landslide (very low).
What storms are most common in Bath County?
Since 1996, NOAA recorded 421 storm events affecting Bath County, most often thunderstorm wind (196), flash flood (46), hail (45).
How many tornadoes have hit Bath County?
9 tornadoes have been recorded in Bath County since 1950.
How many homes in Bath County have flood insurance?
43 residential flood insurance policies are in force in Bath County, covering about 0.7% of homes. The program has paid $1.4M on 100 claims here since 1978.
What is the weather like in Bath County?
At Mt Sterling, average highs reach 87°F in Jul and lows fall to 22°F in Jan, with 48.5 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.