Natural hazards · Georgetown

Georgetown, KY natural hazards

Most of the natural-hazard damage FEMA expects in Georgetown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 24 claims here since 1996. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Georgetown?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Georgetown to be higher than in 44% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes21%Strong wind13%Earthquakes8%Cold waves5%Everything else8%

By hazard

What Georgetown faces

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

Inland flooding

45% of expected damage

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

Recorded about once a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 81% of U.S. places

Strong wind

13% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 6 times a year in the area

Earthquakes

8% of expected damage

Above average · higher than 72% of U.S. places

Cold waves

5% of expected damage

Above average · higher than 61% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Georgetown flood?

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

24paid claims since 1996

$443Kpaid to owners

1homes flooded more than once

19962026

Biggest named events

Central U.S. April Flooding: 5 claims, $40K

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. Georgetown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Scott County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Georgetown

4 federal disasters brought FEMA money here

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

Brought FEMA money into GeorgetownDeclared for Scott County only

2015

Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides

62 households applied for aid $75K aid approved

2009

Severe Winter Storm and Flooding

$92K to the City of Georgetown for repairs

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

11 households applied for aid $12K aid approved

2003

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

$97K to the City of Georgetown for repairs

Scott County has had 13 natural disasters declared since 1953, most often severe storms and winter storms.

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. Georgetown covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Georgetown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Georgetown. 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 Georgetown total about $8.2M 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.