Natural hazards · Farley

Farley, KY natural hazards

Most of the natural-hazard damage FEMA expects in Farley comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 7 claims here since 1996.

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

Expected damage

How exposed is Farley?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Farley to be higher than in 96% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding45%Earthquakes33%Heat waves7%Tornadoes6%Cold waves5%Everything else5%

By hazard

What Farley faces

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

Inland flooding

45% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

33% of expected damage

Well above average · higher than 91% of U.S. places

Heat waves

7% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

6% of expected damage

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

Cold waves

5% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningDrought

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 Farley flood?

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

7paid claims since 1996

$159Kpaid to owners

0homes flooded more than once

19962026

Biggest named events

Mid-spring storms: 3 claims, $104K
Central U.S. April Flooding: 1 claim, $43K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McCracken County.

Disasters that hit Farley

Federal disasters declared here

None of the disasters declared for McCracken County shows FEMA aid or repair money reaching Farley itself in FEMA’s records.

Brought FEMA money into FarleyDeclared for McCracken County only

McCracken County has had 20 natural disasters declared since 1953, most often severe storms and floods.

Around Farley

Farley and the towns around it

Very lowLowModerateHighVery high

Farleymostly inland floodingVery high

Paducahmostly earthquakesVery high

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. Farley covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Farley’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Farley. 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 Farley total about $7.5M 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.