Natural hazards · Albany

Albany, KY natural hazards

Most of the natural-hazard damage FEMA expects in Albany comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Albany?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Albany to be higher than in 63% of U.S. communities, mostly from inland flooding.

Inland flooding56%Tornadoes15%Cold waves12%Strong wind5%Everything else12%

By hazard

What Albany faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

56% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

15% of expected damage

Well above average · higher than 88% of U.S. places

Cold waves

12% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once a year in the area

Strong wind

5% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Albany flood?

FEMA's records show no paid flood insurance claims in Albany.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Albany isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Clinton County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Albany

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Albany itself: aid to households, or repair grants to the City of Albany.

Brought FEMA money into AlbanyDeclared for Clinton County only

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

67 households applied for aid $140K aid approved

2004

Severe Storms and Flooding

$3K to the City of Albany for repairs

Clinton County has had 16 natural disasters declared since 1953, most often severe storms and winter storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Albany is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Albany’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Albany. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.