Natural hazards · Hurstbourne

Hurstbourne, KY natural hazards

Most of the natural-hazard damage FEMA expects in Hurstbourne comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1979.

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

Expected damage

How exposed is Hurstbourne?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hurstbourne to be higher than in 58% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding69%Tornadoes21%Everything else10%

By hazard

What Hurstbourne faces

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

Inland flooding

69% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

21% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Hurstbourne flood?

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

12paid claims since 1979

$205Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Not a named storm: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Hurstbourne

Federal disasters declared here

None of the disasters declared for Jefferson County shows FEMA aid or repair money reaching Hurstbourne itself in FEMA’s records.

Brought FEMA money into HurstbourneDeclared for Jefferson County only

Jefferson County has had 20 natural disasters declared since 1953, most often severe storms and floods.

Around Hurstbourne

Hurstbourne and the towns around it

Very lowLowModerateHighVery high

Hurstbournemostly inland floodingModerate

Jeffersontownmostly inland floodingLow

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. Hurstbourne covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hurstbourne’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Hurstbourne. 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 Hurstbourne total about $3.0M 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.