Natural hazards · Evarts

Evarts, KY natural hazards

Most of the natural-hazard damage FEMA expects in Evarts comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 16 claims here since 1984. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Evarts?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Evarts to be higher than in 94% of U.S. communities, mostly from inland flooding.

Inland flooding74%Cold waves9%Strong wind8%Everything else9%

By hazard

What Evarts faces

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

Inland flooding

74% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

9% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once a year in the area

Strong wind

8% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Evarts flood?

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

16paid claims since 1984

$132Kpaid to owners

0homes flooded more than once

19842026

Biggest named events

Heavy rains: 2 claims, $2K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Harlan County.

What’s been done with FEMA grants

3flood-prone properties bought out and cleared

Disasters that hit Evarts

3 federal disasters brought FEMA money here

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

Brought FEMA money into EvartsDeclared for Harlan County only

2025

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

105 households applied for aid $608K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

23 households applied for aid $44K aid approved

2003

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

3 households applied for aid $6K aid approved

Harlan County has had 30 natural disasters declared since 1953, most often severe storms and floods.

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. Evarts 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 Evarts’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Evarts. 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.