Natural hazards · Grayson

Grayson, KY natural hazards

Most of the natural-hazard damage FEMA expects in Grayson comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 35 claims here since 1978. 13 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Grayson?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grayson to be higher than in 86% of U.S. communities, mostly from inland flooding.

Inland flooding80%Heat waves11%Everything else9%

By hazard

What Grayson faces

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

Inland flooding

80% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 2 times a year in the area

Heat waves

11% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Grayson flood?

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

35paid claims since 1978

$607Kpaid to owners

6homes flooded more than once

19782026

Biggest named events

Not a named storm: 9 claims, $66K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carter County.

Disasters that hit Grayson

13 federal disasters brought FEMA money here

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

Brought FEMA money into GraysonDeclared for Carter County only

2024

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

50 households applied for aid $532K aid approved

2021

Severe, Storms, Flooding, Landslides, and Mudslides

$8K to the City of Grayson for repairs

2021

Severe Winter Storms, Landslides, and Mudslides

$100K to the City of Grayson for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds, Flooding, Landslides, and Mudslide

51 households applied for aid $53K aid approved

2015

Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides

60 households applied for aid $212K aid approved $4K to the City of Grayson for repairs

2015

Severe Winter Storm, Snowstorm, Flooding, Landslides, and Mudslides

$6K to the City of Grayson for repairs

2010

Severe Storms, Flooding, and Mudslides

64 households applied for aid $314K aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

135 households applied for aid $453K aid approved $32K to the City of Grayson for repairs

2009

Severe Winter Storm and Flooding

$32K to the City of Grayson for repairs

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

60 households applied for aid $113K aid approved

2003

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

217 households applied for aid $568K aid approved $9K to the City of Grayson for repairs

2003

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

90 households applied for aid $95K aid approved

2002

Severe Storms and Flooding

$81K to the City of Grayson for repairs

Carter County has had 33 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. Grayson 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 Grayson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Grayson. 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.

Grayson, KY natural hazards

How exposed is Grayson?

What Grayson faces

Inland flooding

Heat waves

Lower here

Not a risk here

Does Grayson flood?

Biggest named events

Homes that flooded again and again

13 federal disasters brought FEMA money here

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

Severe, Storms, Flooding, Landslides, and Mudslides

Severe Winter Storms, Landslides, and Mudslides

Severe Storms, Tornadoes, Straight-Line Winds, Flooding, Landslides, and Mudslide

Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides

Severe Winter Storm, Snowstorm, Flooding, Landslides, and Mudslides

Severe Storms, Flooding, and Mudslides

Severe Storms, Flooding, Mudslides, and Tornadoes

Severe Winter Storm and Flooding

Severe Storms, Tornadoes, Flooding, and Mudslides

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

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

Severe Storms and Flooding

How to read this page

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