Natural hazards · Crestwood

Crestwood, KY natural hazards

Most of the natural-hazard damage FEMA expects in Crestwood comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Crestwood?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Crestwood to be higher than in 40% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes32%Strong wind12%Cold waves6%Everything else8%

By hazard

What Crestwood faces

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

Inland flooding

43% of expected damage

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

Recorded about once a year in the area

Tornadoes

32% of expected damage

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

Strong wind

12% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

6% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Crestwood flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oldham County.

Disasters that hit Crestwood

3 federal disasters brought FEMA money here

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

Brought FEMA money into CrestwoodDeclared for Oldham County only

2025

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

4 households applied for aid $8K aid approved

2024

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

4 households applied for aid $2K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

13 households applied for aid $22K aid approved

Oldham County has had 15 natural disasters declared since 1953, most often severe storms and winter storms.

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