Natural hazards · Flat Lick

Flat Lick, KY natural hazards

Most of the natural-hazard damage FEMA expects in Flat Lick comes from inland flooding, and overall the risk is very high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Flat Lick?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flat Lick to be higher than in 88% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding42%Cold waves41%Tornadoes5%Everything else12%

By hazard

What Flat Lick faces

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

Inland flooding

42% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 2 times a year in the area

Cold waves

41% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once a year in the area

Tornadoes

5% of expected damage

Above average · higher than 69% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Flat Lick flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Knox County.

Disasters that hit Flat Lick

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Flat Lick itself: aid to households, or repair grants to Flat Lick.

Brought FEMA money into Flat LickDeclared for Knox County only

2024

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

20 households applied for aid $121K aid approved

2011

Severe Storms, Tornadoes, and Flooding

36 households applied for aid $99K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

53 households applied for aid $92K aid approved

2003

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

13 households applied for aid $21K aid approved

2003

Severe Winter Ice and Snow Storms, Heavy Rain, Flooding, Tornadoes, and Mud and

38 households applied for aid $80K aid approved

Knox County has had 34 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. Flat Lick 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 Flat Lick’s own flood-insurance community; household aid to the registrant’s city; repair grants to Flat Lick. 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.