Natural hazards · Cold Spring

Cold Spring, KY natural hazards

Most of the natural-hazard damage FEMA expects in Cold Spring comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 2015.

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

Expected damage

How exposed is Cold Spring?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cold Spring to be higher than in 42% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding59%Tornadoes18%Cold waves10%Everything else14%

By hazard

What Cold Spring faces

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

Inland flooding

59% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 90% of U.S. places

Cold waves

10% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Cold Spring flood?

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

5paid claims since 2015

$40Kpaid to owners

1homes flooded more than once

20152026

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

Insurance rates: Campbell County.

Disasters that hit Cold Spring

Federal disasters declared here

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

Brought FEMA money into Cold SpringDeclared for Campbell County only

Campbell County has had 14 natural disasters declared since 1953, most often severe storms and winter storms.

Around Cold Spring

Cold Spring and the towns around it

Very lowLowModerateHighVery high

Cold Springmostly inland floodingModerate

Silver Grovemostly inland floodingModerate

Crestviewmostly inland floodingLow

Alexandriamostly inland floodingVery low

Highland Heightsmostly inland floodingVery low

Wildermostly inland floodingVery low

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