Natural hazards · Cloverport

Cloverport, KY natural hazards

Most of the natural-hazard damage FEMA expects in Cloverport comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 14 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cloverport?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cloverport to be higher than in 84% of U.S. communities, mostly from inland flooding.

Inland flooding66%Tornadoes11%Everything else23%

By hazard

What Cloverport faces

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

Inland flooding

66% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 11 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Cloverport flood?

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

14paid claims since 1978

$136Kpaid to owners

3homes flooded more than once

19782026

Biggest named events

Mid-spring storms: 5 claims, $29K
Not a named storm: 2 claims, $3K
Heavy rains: 1 claim, $8K

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. Cloverport isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Breckinridge County.

What’s been done with FEMA grants

3flood-prone properties bought out and cleared

Disasters that hit Cloverport

2 federal disasters brought FEMA money here

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

Brought FEMA money into CloverportDeclared for Breckinridge County only

2025

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

8 households applied for aid $35K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

3 households applied for aid

Breckinridge County has had 23 natural disasters declared since 1953, most often severe storms and tornadoes.

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