Natural hazards · Florence

Florence, KY natural hazards

Most of the natural-hazard damage FEMA expects in Florence comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2009.

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

Expected damage

How exposed is Florence?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florence to be higher than in 16% of U.S. communities, mostly from cold waves and tornadoes.

Cold waves30%Tornadoes25%Inland flooding23%Strong wind9%Earthquakes8%Everything else5%

By hazard

What Florence faces

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

Cold waves

30% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

25% of expected damage

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

Inland flooding

23% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about 2 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

8% of expected damage

Above average · higher than 71% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Florence flood?

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

2paid claims since 2009

$4Kpaid to owners

1homes flooded more than once

20092026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Boone County.

Disasters that hit Florence

Federal disasters declared here

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

Brought FEMA money into FlorenceDeclared for Boone County only

Boone County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.

Around Florence

Florence and the towns around it

Very lowLowModerateHighVery high

Oakbrookmostly inland floodingModerate

Unionmostly inland floodingLow

Erlangermostly inland floodingLow

Florencemostly cold wavesVery low

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. Florence covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Florence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Florence. 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 Florence total about $6.8M 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.