Natural hazards · Cunningham

Cunningham, KY natural hazards

Most of the natural-hazard damage FEMA expects in Cunningham comes from earthquakes, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Cunningham?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cunningham to be higher than in 85% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes39%Inland flooding18%Ice storms9%Tornadoes8%Cold waves7%Drought7%Everything else11%

By hazard

What Cunningham faces

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

Earthquakes

39% of expected damage

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

Inland flooding

18% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Ice storms

9% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 21 years in the area

Cold waves

7% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Drought

7% of expected damage

Recorded about 9 times a year in the area

Lower here

HurricanesHailWinter weatherHeat wavesWildfireLandslidesLightning

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 Cunningham flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carlisle County.

Disasters that hit Cunningham

1 federal disaster brought FEMA money here

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

Brought FEMA money into CunninghamDeclared for Carlisle County only

2011

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

Carlisle County has had 23 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. Cunningham 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 Cunningham’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cunningham. 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.