Natural hazards · Earlington

Earlington, KY natural hazards

Most of the natural-hazard damage FEMA expects in Earlington comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1979. 11 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Earlington?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Earlington to be higher than in 78% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding48%Earthquakes17%Tornadoes11%Strong wind7%Everything else17%

By hazard

What Earlington faces

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

Inland flooding

48% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

17% of expected damage

Well above average · higher than 83% of U.S. places

Tornadoes

11% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 25 years in the area

Strong wind

7% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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 Earlington flood?

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

3paid claims since 1979

$4Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hopkins County.

What’s been done with FEMA grants

5flood-prone properties bought out and cleared

1buildings floodproofed

Disasters that hit Earlington

11 federal disasters brought FEMA money here

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

Brought FEMA money into EarlingtonDeclared for Hopkins County only

2025

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

12 households applied for aid $56K aid approved

2024

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

8 households applied for aid $15K aid approved

2021

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

51 households applied for aid $5K aid approved $6K to the City of Earlington for repairs

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

2 households applied for aid $5K aid approved

2009

Severe Winter Storm and Flooding

$317K to the City of Earlington for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$8K to the City of Earlington for repairs

2008

Severe Storms, Tornadoes, Flooding, Mudslides, and Landslides

$15K to the City of Earlington for repairs

2005

Severe Storms and Tornadoes

45 households applied for aid $45K aid approved

2004

Severe Winter Storm and Record Snow

$2K to the City of Earlington for repairs

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

1 household applied for aid

2003

Severe Storms, Flooding, Mud and Rock Slides, and Tornadoes

2 households applied for aid

Hopkins County has had 25 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. Earlington 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 Earlington’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Earlington. 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.