Natural hazards · Calvert

Calvert, KY natural hazards

Most of the natural-hazard damage FEMA expects in Calvert comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 2011. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Calvert?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Calvert to be higher than in 76% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes45%Inland flooding26%Tornadoes7%Everything else22%

By hazard

What Calvert faces

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

Earthquakes

45% of expected damage

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

Inland flooding

26% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 78% of U.S. places

Lower here

HurricanesHailIce 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 Calvert flood?

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

5paid claims since 2011

$220Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Mid-spring storms: 4 claims, $213K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Marshall County.

What’s been done with FEMA grants

4flood-prone properties bought out and cleared

1storm safe rooms built

Disasters that hit Calvert

7 federal disasters brought FEMA money here

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

Brought FEMA money into CalvertDeclared for Marshall County only

2021

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

110 households applied for aid $15K aid approved

2019

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

$73K to the City of Calvert for repairs

2011

Severe Storms, Tornadoes, and Flooding

42 households applied for aid $184K aid approved $174K to the City of Calvert for repairs

2009

Severe Winter Storm and Flooding

$151K to the City of Calvert for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$43K to the City of Calvert for repairs

2005

Severe Storms and Tornadoes

1 household applied for aid

2004

Severe Winter Storm and Record Snow

$7K to the City of Calvert for repairs

Marshall County has had 24 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. Calvert covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Calvert’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Calvert. 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 Calvert total about $2.6M 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.