Natural hazards · Inez

Inez, KY natural hazards

Most of the natural-hazard damage FEMA expects in Inez comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 12 claims here since 2004. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Inez?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Inez to be higher than in 98% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%

By hazard

What Inez faces

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

Inland flooding

86% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Inez flood?

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

12paid claims since 2004

$345Kpaid to owners

1homes flooded more than once

20042026

Biggest named events

Heavy rains: 4 claims, $128K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Martin County.

What’s been done with FEMA grants

19flood-prone properties bought out and cleared

Disasters that hit Inez

7 federal disasters brought FEMA money here

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

Brought FEMA money into InezDeclared for Martin County only

2025

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

109 households applied for aid $673K aid approved $53K to the City of Inez for repairs

2022

Severe Storms, Flooding, Landslides, and Mudslides

148 households applied for aid $490K aid approved $4K to the City of Inez for repairs

2021

Severe, Storms, Flooding, Landslides, and Mudslides

114 households applied for aid $292K aid approved $23K to the City of Inez for repairs

2012

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

107 households applied for aid $194K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

449 households applied for aid $1.8M aid approved $13K to the City of Inez for repairs

2003

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

44 households applied for aid $68K aid approved

2003

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

69 households applied for aid $156K aid approved $1K to the City of Inez for repairs

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