Natural hazards · Erlanger

Erlanger, KY natural hazards

Most of the natural-hazard damage FEMA expects in Erlanger comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 2011. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Erlanger?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Erlanger to be higher than in 20% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding32%Tornadoes29%Cold waves17%Strong wind11%Everything else12%

By hazard

What Erlanger faces

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

Inland flooding

32% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

29% of expected damage

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

Cold waves

17% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 2 times a year in the area

Strong wind

11% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Erlanger flood?

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

4paid claims since 2011

$27Kpaid to owners

1homes flooded more than once

20112026

Biggest named events

Mid-spring storms: 2 claims, $19K

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

Insurance rates: Kenton County.

Disasters that hit Erlanger

2 federal disasters brought FEMA money here

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

Brought FEMA money into ErlangerDeclared for Kenton County only

2009

Severe Winter Storm and Flooding

$30K to the City of Erlanger for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$46K to the City of Erlanger for repairs

Kenton County has had 12 natural disasters declared since 1953, most often severe storms and winter storms.

Around Erlanger

Erlanger and the towns around it

Very lowLowModerateHighVery high

Covingtonmostly inland floodingHigh

Villa Hillsmostly inland floodingModerate

Edgewoodmostly inland floodingLow

Elsmeremostly tornadoesLow

Independencemostly inland floodingLow

Crescent Springsmostly inland floodingLow

Erlangermostly inland floodingLow

Florencemostly cold wavesVery low

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. Erlanger covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Erlanger’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Erlanger. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Erlanger total about $5.1M a year, counting buildings, people and crops.

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.