Natural hazards · Cambridge

Cambridge, KY natural hazards

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

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

Expected damage

How exposed is Cambridge?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cambridge to be higher than in 34% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes35%Earthquakes8%Everything else11%

By hazard

What Cambridge faces

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

Inland flooding

46% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

35% of expected damage

Well above average · higher than 79% of U.S. places

Earthquakes

8% of expected damage

Above average · higher than 72% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Cambridge flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Cambridge

Federal disasters declared here

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

Brought FEMA money into CambridgeDeclared for Jefferson County only

Jefferson County has had 20 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. Cambridge 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 Cambridge’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cambridge. 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.