Natural hazards · Cadiz

Cadiz, KY natural hazards

Most of the natural-hazard damage FEMA expects in Cadiz comes from inland flooding, and overall the risk is high for a U.S. community. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cadiz?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cadiz to be higher than in 74% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding38%Earthquakes22%Tornadoes15%Drought7%Cold waves6%Everything else13%

By hazard

What Cadiz faces

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

Inland flooding

38% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once a year in the area

Earthquakes

22% of expected damage

Well above average · higher than 84% of U.S. places

Tornadoes

15% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 15 years in the area

Drought

7% of expected damage

Recorded about 6 times a year in the area

Cold waves

6% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

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 Cadiz flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Trigg County.

Disasters that hit Cadiz

10 federal disasters brought FEMA money here

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

Brought FEMA money into CadizDeclared for Trigg County only

2025

Severe Storms, Straight-Line Winds, and Tornadoes

46 households applied for aid $109K aid approved

2024

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

90 households applied for aid $236K aid approved $169K to the City of Cadiz for repairs

2023

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

$34K to the City of Cadiz for repairs

2019

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

$69K to the City of Cadiz for repairs

2016

Severe Storm, Tornadoes, Flooding, Landslides, and Mudslides

$32K to the City of Cadiz for repairs

2015

Severe Winter Storm, Snowstorm, Flooding, Landslides, and Mudslides

$17K to the City of Cadiz for repairs

2011

Severe Storms, Tornadoes, and Flooding

$73K to the City of Cadiz for repairs

2009

Severe Winter Storm and Flooding

$95K to the City of Cadiz for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$28K to the City of Cadiz for repairs

2004

Severe Winter Storm and Record Snow

$7K to the City of Cadiz for repairs

Trigg 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. Cadiz 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 Cadiz’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cadiz. 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.