Natural hazards · Elkton

Elkton, KY natural hazards

Most of the natural-hazard damage FEMA expects in Elkton comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 2016. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Elkton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elkton to be higher than in 75% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding38%Tornadoes16%Earthquakes12%Cold waves10%Hail6%Strong wind6%Everything else12%

By hazard

What Elkton faces

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

Inland flooding

38% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

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

Recorded about once every 10 years in the area

Earthquakes

12% of expected damage

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

Cold waves

10% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once a year in the area

Hail

6% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

6% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat 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 Elkton flood?

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

4paid claims since 2016

$37Kpaid to owners

1homes flooded more than once

20162026

Biggest named events

Central U.S. April Flooding: 1 claim, $16K

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

Insurance rates: Todd County.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

Disasters that hit Elkton

1 federal disaster brought FEMA money here

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

Brought FEMA money into ElktonDeclared for Todd County only

2024

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

34 households applied for aid $24K aid approved

Todd County has had 17 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. Elkton 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 Elkton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Elkton. 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.