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Natural hazards · Bowling Green

Bowling Green, KY natural hazards

Most of the natural-hazard damage FEMA expects in Bowling Green comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 65 claims here since 1978. 8 federal disasters brought FEMA money into town.

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

How exposed is Bowling Green?

81
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bowling Green to be higher than in 81% of U.S. communities, mostly from inland flooding and hail.

Inland flooding40%Hail29%Tornadoes12%Earthquakes10%Everything else10%
By hazard

What Bowling Green faces

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

Inland flooding

40% of expected damage
Above average · higher than 74% of U.S. places
Recorded about 3 times a year in the area

Hail

29% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

12% of expected damage
Well above average · higher than 77% of U.S. places

Earthquakes

10% of expected damage
Well above average · higher than 80% of U.S. places

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

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 Bowling Green flood?

Every paid claim on a federal flood insurance policy in Bowling Green, from FEMA’s records.

65paid claims since 1978
$1.3Mpaid to owners
4homes flooded more than once
19782026

Biggest named events

  • Central U.S. April Flooding: 4 claims, $585K
  • Not a named storm: 3 claims, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 15% off flood insurance. Bowling Green is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Warren County.

What’s been done with FEMA grants

17storm safe rooms built
1flood-prone properties bought out and cleared
Disasters that hit Bowling Green

8 federal disasters brought FEMA money here

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

Brought FEMA money into Bowling GreenDeclared for Warren County only
2025

Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides

219 households applied for aid $1.4M aid approved $722K to the City of Bowling Green for repairs
2024

Severe Storms, Straight-Line Winds, Tornadoes, Landslides, and Mudslides

113 households applied for aid $131K aid approved $124K to the City of Bowling Green for repairs
2023

Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides

$83K to the City of Bowling Green for repairs
2021

Severe Storms, Straight-Line Winds, Flooding, and Tornadoes

3,765 households applied for aid $1.7M aid approved $4.3M to the City of Bowling Green for repairs
2021

Severe, Storms, Flooding, Landslides, and Mudslides

67 households applied for aid $92K aid approved
2010

Severe Storms, Flooding, Mudslides, and Tornadoes

307 households applied for aid $754K aid approved $108K to the City of Bowling Green for repairs
2009

Severe Winter Storm and Flooding

$24K to the City of Bowling Green for repairs
2004

Severe Storms and Flooding

$28K to the City of Bowling Green for repairs
Warren County has had 22 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. Bowling Green covers 14 census tracts, combined by population.
Money that reached townFlood claims are matched to Bowling Green’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bowling Green. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Bowling Green total about $43.2M a year, counting buildings, people and crops.

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.

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