Natural hazards · Hardyville

Hardyville, KY natural hazards

Most of the natural-hazard damage FEMA expects in Hardyville comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hardyville?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardyville to be higher than in 72% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes16%Hail9%Cold waves8%Strong wind7%Earthquakes6%Everything else6%

By hazard

What Hardyville faces

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

Inland flooding

48% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 19 years in the area

Hail

9% of expected damage

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

Recorded about 3 times a year in the area

Cold waves

8% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Strong wind

7% of expected damage

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

Recorded about 7 times a year in the area

Earthquakes

6% of expected damage

Well above average · higher than 75% of U.S. places

Lower here

HurricanesIce 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 Hardyville flood?

FEMA's records show no paid flood insurance claims in Hardyville.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hart County.

Disasters that hit Hardyville

4 federal disasters brought FEMA money here

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

Brought FEMA money into HardyvilleDeclared for Hart County only

2025

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

4 households applied for aid $7K aid approved

2021

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

24 households applied for aid $35K aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

6 households applied for aid $2K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

1 household applied for aid $1K aid approved

Hart County has had 23 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. Hardyville 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 Hardyville’s own flood-insurance community; household aid to the registrant’s city; repair grants to Hardyville. 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.