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
- 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
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.
- Bath County Water DistrictServes 10,083 · Purchased surface water · Local government2 health violations
- Sharpsburg Water DistrictServes 4,332 · Purchased surface water · Local governmentNo health violations
- Owingsville Water WorksServes 2,307 · Purchased surface water · Local government1 health violation
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.