Natural hazards · Arjay

Arjay, KY natural hazards

Most of the natural-hazard damage FEMA expects in Arjay comes from inland flooding, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Arjay?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Arjay to be higher than in 99% of U.S. communities, mostly from inland flooding.

Inland flooding85%Cold waves7%Everything else8%

By hazard

What Arjay faces

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

Inland flooding

85% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 2 times a year in the area

Cold waves

7% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Arjay flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bell County.

What’s been done with FEMA grants

21flood-prone properties bought out and cleared

Disasters that hit Arjay

Federal disasters declared here

None of the disasters declared for Bell County shows FEMA aid or repair money reaching Arjay itself in FEMA’s records.

Brought FEMA money into ArjayDeclared for Bell County only

Bell County has had 26 natural disasters declared since 1953, most often severe storms and floods.

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. Arjay 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 Arjay’s own flood-insurance community; household aid to the registrant’s city; repair grants to Arjay. 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.