Natural hazards · Crofton

Crofton, KY natural hazards

Most of the natural-hazard damage FEMA expects in Crofton comes from inland flooding, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Crofton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Crofton to be higher than in 65% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes24%Earthquakes14%Cold waves6%Everything else17%

By hazard

What Crofton faces

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

Inland flooding

39% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

24% of expected damage

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

Recorded about once every 8 years in the area

Earthquakes

14% of expected damage

Well above average · higher than 81% of U.S. places

Cold waves

6% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Crofton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Christian County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Crofton

5 federal disasters brought FEMA money here

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

Brought FEMA money into CroftonDeclared for Christian County only

2025

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

7 households applied for aid $125K aid approved

2024

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

4 households applied for aid $5K aid approved

2021

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

21 households applied for aid $4K aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

3 households applied for aid $11K aid approved

2008

Severe Storms, Tornadoes, Straight-Line Winds, and

37 households applied for aid $144K aid approved

Christian County has had 22 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. Crofton 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 Crofton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Crofton. 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.