Natural hazards · Carrollton

Carrollton, KY natural hazards

Most of the natural-hazard damage FEMA expects in Carrollton comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 16 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Carrollton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carrollton to be higher than in 64% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes24%Strong wind10%Everything else10%

By hazard

What Carrollton faces

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

Inland flooding

56% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

24% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 71 years in the area

Strong wind

10% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Carrollton flood?

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

16paid claims since 1978

$493Kpaid to owners

1homes flooded more than once

19782026

Biggest named events

Not a named storm: 4 claims, $53K
Central U.S. April Flooding: 2 claims, $237K

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

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

Insurance rates: Carroll County.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

Disasters that hit Carrollton

7 federal disasters brought FEMA money here

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

Brought FEMA money into CarrolltonDeclared for Carroll County only

2025

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

87 households applied for aid $661K aid approved $41K to the City of Carrollton for repairs

2018

Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides

$40K to the City of Carrollton for repairs

2012

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

10 households applied for aid $33K aid approved

2011

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $1K aid approved $25K to the City of Carrollton for repairs

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

$39K to the City of Carrollton for repairs

2009

Severe Winter Storm and Flooding

$35K to the City of Carrollton for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$59K to the City of Carrollton for repairs

Carroll County has had 19 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. Carrollton 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 Carrollton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Carrollton. 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.