Natural hazards · Fort Thomas

Fort Thomas, KY natural hazards

Most of the natural-hazard damage FEMA expects in Fort Thomas comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 15 claims here since 1978.

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

Expected damage

How exposed is Fort Thomas?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fort Thomas to be higher than in 33% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding44%Tornadoes22%Cold waves14%Heat waves5%Everything else15%

By hazard

What Fort Thomas faces

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

Inland flooding

44% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

22% of expected damage

Well above average · higher than 90% of U.S. places

Cold waves

14% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 2 times a year in the area

Heat waves

5% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Fort Thomas flood?

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

15paid claims since 1978

$92Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Not a named storm: 1 claim, $619

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Campbell County.

Disasters that hit Fort Thomas

Federal disasters declared here

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

Brought FEMA money into Fort ThomasDeclared for Campbell County only

Campbell County has had 14 natural disasters declared since 1953, most often severe storms and winter storms.

Around Fort Thomas

Fort Thomas and the towns around it

Very lowLowModerateHighVery high

Daytonmostly inland floodingHigh

Newportmostly inland floodingHigh

Southgatemostly inland floodingModerate

Bellevuemostly inland floodingLow

Fort Thomasmostly inland floodingLow

Highland Heightsmostly inland floodingVery low

Woodlawnmostly inland floodingVery 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. Fort Thomas covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Fort Thomas’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Fort Thomas. 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 Fort Thomas total about $4.0M 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.