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Risk: Relatively Moderate

Floyd County, KY Environment & Hazard Risk

Relatively Moderate natural hazard risk, led by landslide. 718 storm events since 1996.

Expected yearly loss
$106M
Relatively Moderate nationally
Storm events since 1996
718
Most often thunderstorm wind
Flood insurance policies
577
3.4% of homes
Hurricanes nearby
0
1 tropical storm or stronger since 1934

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Moderate

Score 94.2 of 100

Social vulnerability

Very High

Score 84.3 of 100

Community resilience

Relatively Moderate

Score 42.7 of 100

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

Building value exposed: $15.61B · Agriculture value exposed: $754K · Risk-adjusted yearly loss: $158M

Risk by hazard

  • LandslideRelatively Moderate$43.09K/yr expected annual loss, about 1.2 events a year
  • WildfireRelatively Low$563K/yr expected annual loss, about once every 92 years
  • Winter weatherRelatively Moderate$135K/yr expected annual loss, about 15 events a year
  • Strong windRelatively Moderate$702K/yr expected annual loss, about 3.6 events a year
  • HailRelatively Low$369K/yr expected annual loss, about 3.2 events a year
  • EarthquakeRelatively Low$409K/yr expected annual loss, about once every 738 years
  • AvalancheVery Low$878/yr expected annual loss, about once every 100 years
  • Heat waveRelatively Low$376K/yr expected annual loss, about 2.6 events a year
  • LightningRelatively Moderate$209K/yr expected annual loss, about 51 events a year
  • HurricaneVery Low$53.65K/yr expected annual loss, about once every 58 years
  • Cold waveRelatively Low$545K/yr expected annual loss, about once every 1 year
  • TornadoRelatively Low$488K/yr expected annual loss, about once every 16 years
  • Ice stormRelatively Low$21.52K/yr expected annual loss, about once every 7 years

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: coastal flooding, drought, 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
577 of 17,217 (3.4%)
Homes in high-risk flood zones
3,355
Insured in high-risk zones
488 (15%)
Flood claims since 1978
2,618
Claims paid since 1978
$37.28M

Flood claims paid per year

Flood claims paid per year in Floyd County
  • February Kentucky Flooding$8.65M · 214 claims
  • Flooding$6.64M · 643 claims
  • Storm$4.03M · 193 claims
  • Late July Flooding$3.23M · 104 claims
  • Heavy rains$2.03M · 76 claims
  • Mid-spring storms$136K · 22 claims

Storm history

Since 1996: 718 events, 4 deaths, $20.38M in damage

  • Thunderstorm Wind222 · 1 death
  • Flash Flood112
  • Hail87
  • Flood86
  • Winter Weather84 · 2 deaths
  • Heavy Snow45
  • Frost/Freeze13
  • Heavy Rain11
  • Ice Storm11
  • Winter Storm10

Events per year

Storm events per year in Floyd County
24
38
57
67
24
29
32
27
51
27
15
14
19
15
46
32
7
23
29
4

2 tornadoes on record (EF1 1, F1 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Extreme Cold/Wind Chill01/14/2024

    Floyd

    1 death, 1 injured

    What happened

    Source: https://wklw.com/kentucky-state-police-conducts-death-investigation-in-floyd-county-2/ ||The Kentucky State Police Pikeville Post received a call on Sunday, January 14, 2024, regarding a suspected carbon monoxide exposure in the Langley community of Floyd County.||KSP troopers responded to the area. Two females were transported to a nearby hospital for medical treatment. The preliminary investigation revealed Kara Hanks, 44 years old, of Melbourne was deceased. Hanks��� body was sent to the State Medical Examiner���s Office for an autopsy. The cause of death is under investigation; however, no foul play is suspected. ||No exact times were given.

  • Thunderstorm Wind70 kt wind05/29/2019

    Prestonsburg, Floyd County

    1 death, $165K damage

    What happened

    A National Weather Service Meteorologist surveyed localized downburst winds in Prestonsburg. These winds caused sporadic damage throughout the community. The highest wind gust estimated was in downtown Prestonsburg on West Court Street |where one half of the roof of a hock shop building was lifted off. This roof landed on West Court Street, including on multiple vehicles, fatally wounding one person in a moving vehicle. Glass was also broken on multiple windows on the north side of the building. There were a number of other buildings and homes with minor roof |or gutter damage nearby, as well as a couple of uprooted trees near the downtown area. A HAM radio tower that had been mounted on the top of the annex building beside the jail and behind the courthouse in downtown Prestonsburg was also destroyed by thunderstorm wind gusts. The winds snapped the support wires that had been holding up the tower causing the tower to break in half and fall onto the roof of the building it had been mounted on and the ground next to the building. Wind speeds that uprooted a tree at a residence on South Highland Avenue were estimated to be in the upper end of the 70 to 80 mph range.

  • Winter Weather01/07/2020

    Floyd

    1 death, $25K damage

    What happened

    A band of precipitation developed across the Tennessee Valley late on January 6th and moved into southeast Kentucky overnight into the 7th. A mix of rain and snow occurred, with locations in central portions of far eastern Kentucky seeing the greatest snowfall totals and associated travel impacts. Several schools were closed as roads briefly became slick during the peak of the morning commute. Bays Branch Road, off of U.S. Highway 23 leading to Highlands Regional Medical Center, in Prestonsburg was closed for a couple of hours due to an accident. A man passed away as a result of an almost head-on collision with a sheriff's deputy, while the deputy sustained only minor injuries.||A sampling of snowfall totals follows below:||- Inez (Martin County): 3.0 inches|- Hatfield (Pike County): 2.8 inches|- Hode (Martin County): 2.5 inches|- Drift (Floyd County): 2.5 inches|- Denver (Johnson County): 2.0 inches|- 3 WSW Prestonsburg (Floyd County): 1.5 inches|- Dotson (Floyd County): 1.2 inches|- NWS Office in Jackson (Breathitt County): 1.2 inches|- Paintsville (Johnson County): 1.0 inch.

  • Winter Weather02/07/2020

    Floyd

    1 death

    What happened

    Following abundant rainfall across southeast Kentucky on February 6th, colder air filtered into eastern Kentucky from February 6th into the 7th. Simultaneously, another wave of precipitation moved through the region, bringing a transition to snow for much of eastern Kentucky. The heaviest amounts of near 4 inches were found just south of Mountain Parkway and the Bluegrass region.||Cressy in Estill County picked up 4.3 inches while Clover Bottom and locations near McKee in Jackson County observed right near 4 inches of snow. Outside of this, amounts were generally below 4 inches with locales in Montgomery and Rockcastle Counties seeing near 3.5 inches.||Lower amounts were found elsewhere, causing sporadic traffic issues. The two most notable accidents occurred in Somerset and Martin where one individual in each location lost their lives due to slick road conditions.

  • Flash Flood08/04/2001

    South Central Portion, Floyd County

    1 injured, $7.6M damage

    What happened

    High water from the areas worst flash flooding in years took its toll on area roads, bridges and homes. Extensive damage resulted in the county, making it one of five in the area to be classified as a Presidentially declared disaster area. Up to 1200 homes were affected by the flash flood. All of the Left Beaver and Mud Creek area from Martin south to the end of the county was the hardest hit. Most of the southern part of the county was without commercial utilities for several days after the flash flood.Several shelters were opened and more than 50 people stayed at the Mud Creek Senior Center, more were housed at Allen Central High School and other locations. Officials reported that Kentucky Highway 979 suffered severe damage. A 2 mile stretch of road along Mud Creek was completely washed out, there was no evidence of the road after waters receded. Road and bridge damage was too numerous to mention individually. A 68 year old man had to be rescued from his truck on Tinker Fork Creek. He was trapped inside the vehicle from 10:30 pm until 3:30 am when the water got so high it forced him to swim out the back window. Rescuers were able to get a rope around his waist and...

  • Flood05/31/2004

    Floyd

    $4M 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.

Latest storm reports

Newest first

  • Heavy Snow03/16/2026

    Floyd

  • Thunderstorm Wind50 kt wind03/16/2026

    Myrtle, Floyd County

    $1,000 damage

  • Thunderstorm Wind50 kt wind03/12/2026

    Martin, Floyd County

    $8,500 damage

  • Winter Storm01/24/2026

    Floyd

  • Hail1" hail06/26/2025

    Cliff, Floyd County

  • Thunderstorm Wind50 kt wind06/26/2025

    Lancer, Floyd County

    $2,000 damage

  • Thunderstorm Wind50 kt wind06/26/2025

    Cliff, Floyd County

    $2,000 damage

  • Hail0.88" hail06/26/2025

    Prestonsburg, Floyd County

Hurricanes and tropical storms

Storms whose track crossed Floyd County, with the wind when it passed

Drinking water

5 community water systems serve about 44,358 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.

Climate

1991-2020 normals at Prestonsburg 3wsw, 10 mi from the county center

Summer highs peak around 86°F in Jul and winter lows bottom out near 23°F in Jan..

MonthHighLowRain
Jan44°F23°F-
Feb48°F26°F-
Mar57°F31°F-
Apr70°F40°F-
May76°F51°F-
Jun83°F60°F-
Jul86°F64°F-
Aug85°F63°F-
Sep79°F57°F-
Oct68°F44°F-
Nov57°F32°F-
Dec47°F27°F-
Year55°F average-

Pollution sites

0 Superfund sites and 2 toxic release facilities in Floyd County

Superfund sites

None in this county.

Toxic release facilities

Total: 152 lbs in 2024, 152 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk11 historic places

Frequently asked questions

How risky is Floyd County for natural disasters?
FEMA rates Floyd County relatively moderate for overall natural hazard risk, with expected losses of $106M a year. The highest-rated hazards are landslide (relatively moderate), wildfire (relatively low), winter weather (relatively moderate).
What storms are most common in Floyd County?
Since 1996, NOAA recorded 718 storm events affecting Floyd County, most often thunderstorm wind (222), flash flood (112), hail (87).
How many tornadoes have hit Floyd County?
2 tornadoes have been recorded in Floyd County since 1950.
How many homes in Floyd County have flood insurance?
577 residential flood insurance policies are in force in Floyd County, covering about 3.4% of homes. The program has paid $37.28M on 2,618 claims here since 1978.
What is the weather like in Floyd County?
At Prestonsburg 3wsw, average highs reach 86°F in Jul and lows fall to 23°F in Jan (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.