Natural hazards · Ferguson

Ferguson, KY natural hazards

Most of the natural-hazard damage FEMA expects in Ferguson comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ferguson?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ferguson to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding51%Cold waves13%Earthquakes12%Tornadoes11%Everything else13%

By hazard

What Ferguson faces

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

Inland flooding

51% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 2 times a year in the area

Cold waves

13% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Earthquakes

12% of expected damage

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

Tornadoes

11% of expected damage

Well above average · higher than 78% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Ferguson flood?

FEMA's records show no paid flood insurance claims in Ferguson.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pulaski County.

Disasters that hit Ferguson

2 federal disasters brought FEMA money here

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

Brought FEMA money into FergusonDeclared for Pulaski County only

2025

Severe Storms, Straight-Line Winds, and Tornadoes

4 households applied for aid $44K aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

4 households applied for aid $7K aid approved

Pulaski County has had 21 natural disasters declared since 1953, most often severe storms and winter storms.

Around Ferguson

Ferguson and the towns around it

Very lowLowModerateHighVery high

Burnsidemostly inland floodingHigh

Fergusonmostly inland floodingModerate

Somersetmostly inland floodingModerate

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