Natural hazards · Falmouth

Falmouth, KY natural hazards

Most of the natural-hazard damage FEMA expects in Falmouth comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 147 claims here since 1990. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Falmouth?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Falmouth to be higher than in 80% of U.S. communities, mostly from inland flooding.

Inland flooding76%Tornadoes9%Strong wind5%Everything else9%

By hazard

What Falmouth faces

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

Inland flooding

76% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 18 years in the area

Strong wind

5% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Falmouth flood?

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

147paid claims since 1990

$4.5Mpaid to owners

0homes flooded more than once

19902026

Biggest named events

Central U.S. April Flooding: 10 claims, $104K

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Falmouth is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Pendleton County.

What’s been done with FEMA grants

85flood-prone properties bought out and cleared

1storm safe rooms built

Disasters that hit Falmouth

6 federal disasters brought FEMA money here

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

Brought FEMA money into FalmouthDeclared for Pendleton County only

2025

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

87 households applied for aid $180K aid approved $81K to the City of Falmouth for repairs

2015

Severe Winter Storms, Snowstorms, Flooding, Landslides, and Mudslides

$18K to the City of Falmouth for repairs

2012

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

4 households applied for aid

2009

Severe Winter Storm and Flooding

$18K to the City of Falmouth for repairs

2004

Severe Winter Storm and Record Snow

$28K to the City of Falmouth for repairs

2000

Severe Storms and Flooding

$16K to the City of Falmouth for repairs

Pendleton County has had 19 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. Falmouth 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 Falmouth’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Falmouth. 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.