Natural hazards · Harrodsburg

Harrodsburg, KY natural hazards

Most of the natural-hazard damage FEMA expects in Harrodsburg comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 39 claims here since 1978. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harrodsburg?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harrodsburg to be higher than in 74% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes20%Strong wind9%Cold waves6%Everything else10%

By hazard

What Harrodsburg faces

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

Inland flooding

56% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 34 years in the area

Strong wind

9% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 7 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Harrodsburg flood?

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

39paid claims since 1978

$556Kpaid to owners

3homes flooded more than once

19782026

Biggest named events

Not a named storm: 1 claim, $20K
Central U.S. April Flooding: 1 claim, $9K

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

Insurance rates: Mercer County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Harrodsburg

6 federal disasters brought FEMA money here

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

Brought FEMA money into HarrodsburgDeclared for Mercer County only

2025

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

98 households applied for aid $596K aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

90 households applied for aid $271K aid approved

2009

Severe Winter Storm and Flooding

$145K to the City of Harrodsburg for repairs

2008

Severe Storms, Tornadoes, Straight-Line Winds, and

85 households applied for aid $11K aid approved $18K to the City of Harrodsburg for repairs

2003

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

28 households applied for aid $114K aid approved $5K to the City of Harrodsburg for repairs

2003

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

$4K to the City of Harrodsburg for repairs

Mercer 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. Harrodsburg 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 Harrodsburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Harrodsburg. 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.