Natural hazards · Fincastle

Fincastle, KY natural hazards

Most of the natural-hazard damage FEMA expects in Fincastle comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1997.

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

Expected damage

How exposed is Fincastle?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fincastle to be higher than in 54% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes34%Everything else14%

By hazard

What Fincastle faces

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

Inland flooding

52% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

34% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Fincastle flood?

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

3paid claims since 1997

$3Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Fincastle

Federal disasters declared here

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

Brought FEMA money into FincastleDeclared for Jefferson County only

Jefferson County has had 20 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. Fincastle covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fincastle’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Fincastle. 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 Fincastle total about $1.0M 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.