Natural hazards · Hardin

Hardin, KY natural hazards

Most of the natural-hazard damage FEMA expects in Hardin comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2016. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hardin?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardin to be higher than in 77% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes35%Inland flooding25%Cold waves8%Tornadoes8%Strong wind6%Everything else18%

By hazard

What Hardin faces

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

Earthquakes

35% of expected damage

Well above average · higher than 89% of U.S. places

Inland flooding

25% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

8% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 33 years in the area

Strong wind

6% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 4 times 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 Hardin flood?

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

3paid claims since 2016

$25Kpaid to owners

0homes flooded more than once

20162026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Marshall County.

Disasters that hit Hardin

2 federal disasters brought FEMA money here

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

Brought FEMA money into HardinDeclared for Marshall County only

2021

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

41 households applied for aid

2011

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

Marshall County has had 24 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. Hardin 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 Hardin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hardin. 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.