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Risk: Very Low

Fleming County, KY Environment & Hazard Risk

Very Low natural hazard risk, led by strong wind. 347 storm events since 1996.

Expected yearly loss
$6.6M
Very Low nationally
Storm events since 1996
347
Most often thunderstorm wind
Flood insurance policies
18
0.2% of homes
Hurricanes nearby
0
2 tropical storms or stronger since 1888

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 31.0 of 100

Social vulnerability

Very High

Score 88.5 of 100

Community resilience

Relatively Low

Score 24.3 of 100

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

Building value exposed: $3.5B · Agriculture value exposed: $62.8M · Risk-adjusted yearly loss: $10.5M

Risk by hazard

  • Strong windRelatively Moderate$818K/yr expected annual loss, about 4.3 events a year
  • TornadoRelatively Low$940K/yr expected annual loss, about once every 7 years
  • LandslideVery Low$1,086/yr expected annual loss, about once every 2 years
  • LightningRelatively Low$172K/yr expected annual loss, about 51 events a year
  • Winter weatherRelatively Low$42.2K/yr expected annual loss, about 12 events a year
  • EarthquakeVery Low$173K/yr expected annual loss, about once every 556 years
  • HailRelatively Low$124K/yr expected annual loss, about 3.2 events a year
  • Heat waveRelatively Low$146K/yr expected annual loss, about 2.8 events a year
  • HurricaneVery Low$16.2K/yr expected annual loss, about once every 74 years
  • Ice stormRelatively Low$29.6K/yr expected annual loss, about once every 2 years
  • DroughtVery Low$15.5K/yr expected annual loss, about 2.8 events a year
  • WildfireVery Low$6,048/yr expected annual loss, about once every 3,390 years
  • Cold waveVery Low$164K/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
18 of 7,837 (0.2%)
Homes in high-risk flood zones
206
Insured in high-risk zones
16 (8%)
Flood claims since 1978
49
Claims paid since 1978
$943K

Flood claims paid per year

Flood claims paid per year in Fleming County
Beta
  • Flooding$129K · 8 claims
  • Central U.S. April Flooding$1,104 · 1 claim

Storm history

Since 1996: 347 events, 0 deaths, $8.5M in damage

  • Thunderstorm Wind140
  • Flash Flood46
  • Hail39
  • Heavy Snow27
  • Winter Weather24
  • Flood17
  • Frost/Freeze11
  • Ice Storm9
  • Winter Storm7
  • High Wind5
Beta

Events per year

Storm events per year in Fleming County
15
21
9
56
13
21
5
8
24
7
8
8
5
12
5
10
3
15
5
2
Beta

10 tornadoes on record (EF0 2, EF1 2, F0 2, F1 2, F2 2).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Thunderstorm Wind87 kt wind07/14/2015

    Flemingsburg Jct, Fleming County

    4 injured

    What happened

    A large swath of wind damage caused by winds reaching up to 80 to 100 mph occurred beginning in a subdivision off highway 11 3.5 miles north-northwest of Flemingsburg and ending near the Beechburg community. While several structures suffered at least minor damage in the path, the worst damage occurred on Cherry Grove Road where a mobile home was destroyed as it rolled into a group of garage buildings. Four people, including two children, were inside the mobile home and suffered injuries. An EF1 tornado touched down on a farm off Harn Road inside the path of the straight-line wind damage.

  • Flood03/02/1997

    Fleming

    $3M damage

    What happened

    Flash flooding that began early in the day developed into widespread small stream and river flooding. The Licking River below Cave Run Lake, and along the Fleming-Bath County line reached its highest level in history. Sherburne was especially hard hit.

  • Thunderstorm Wind55 kt wind11/06/2007

    Mt Carmel, Fleming County

    2 injured, $3,000 damage

    What happened

    Two people were injured when they were blown off scaffolding during a severe thunderstorm. Extent of injuries is not known.

  • Flood07/23/2017

    Flemingsburg Arpt, Fleming County

    $2M damage

    What happened

    Law enforcement reported flooded streets throughout Flemingsburg several hours after heavy rainfall had ended. A local automobile dealership sustained damage to an estimated 200 vehicles on their lot.

  • Winter Weather01/31/2011

    Fleming

    1 injured, $5,000 damage

    What happened

    An injury accident occurred on Hwy 165 in Ewing.

  • Flash Flood02/18/2000

    Countywide, Fleming County

    $1M damage

    What happened

    Several hours of heavy rain brought widespread flash flooding across most of Fleming county. State officials reported that damage to public property totaled approximately $450,000 with 60 percent uninsured and 24 businesses received approximately $450,000 in damages with 95 percent uninsured.

Drinking water

3 community water systems serve about 14,301 people. Violations since 2021.

None of the systems serving this county had a health-based violation in this period.

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

1 Superfund site and 1 toxic release facility in Fleming County

Superfund sites

Toxic release facilities

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk6 historic places

Frequently asked questions

How risky is Fleming County for natural disasters?
FEMA rates Fleming County very low for overall natural hazard risk, with expected losses of $6.6M a year. The highest-rated hazards are strong wind (relatively moderate), tornado (relatively low), landslide (very low).
What storms are most common in Fleming County?
Since 1996, NOAA recorded 347 storm events affecting Fleming County, most often thunderstorm wind (140), flash flood (46), hail (39).
How many tornadoes have hit Fleming County?
10 tornadoes have been recorded in Fleming County since 1950.
How many homes in Fleming County have flood insurance?
18 residential flood insurance policies are in force in Fleming County, covering about 0.2% of homes. The program has paid $943K on 49 claims here since 1978.
What is the weather like in Fleming County?
At Flemingsburg 2 N, average highs reach 86°F in Jul and lows fall to 23°F in Jan, with 49.8 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.

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