Natural hazards · Centertown

Centertown, KY natural hazards

Most of the natural-hazard damage FEMA expects in Centertown comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Centertown?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Centertown to be higher than in 62% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding37%Earthquakes25%Tornadoes9%Strong wind8%Hail6%Everything else14%

By hazard

What Centertown faces

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

Inland flooding

37% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

25% of expected damage

Well above average · higher than 82% of U.S. places

Tornadoes

9% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 16 years in the area

Strong wind

8% of expected damage

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

Recorded about 5 times a year in the area

Hail

6% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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 Centertown flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ohio County.

Disasters that hit Centertown

4 federal disasters brought FEMA money here

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

Brought FEMA money into CentertownDeclared for Ohio County only

2025

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

3 households applied for aid $6K aid approved

2021

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

20 households applied for aid $20K aid approved

2012

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

26 households applied for aid $16K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

1 household applied for aid $670 aid approved

Ohio County has had 25 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. Centertown 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 Centertown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Centertown. 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.