Natural hazards · Irvine

Irvine, KY natural hazards

Most of the natural-hazard damage FEMA expects in Irvine comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 11 claims here since 2003. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Irvine?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Irvine to be higher than in 94% of U.S. communities, mostly from inland flooding.

Inland flooding82%Tornadoes5%Everything else13%

By hazard

What Irvine faces

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

Inland flooding

82% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

5% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 75 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Irvine flood?

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

11paid claims since 2003

$392Kpaid to owners

1homes flooded more than once

20032026

Biggest named events

February Kentucky Flooding: 1 claim, $23K

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

Insurance rates: Estill County.

Disasters that hit Irvine

6 federal disasters brought FEMA money here

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

Brought FEMA money into IrvineDeclared for Estill County only

2025

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

140 households applied for aid $783K aid approved

2021

Severe, Storms, Flooding, Landslides, and Mudslides

170 households applied for aid $789K aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

178 households applied for aid $196K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

297 households applied for aid $368K aid approved

2003

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

175 households applied for aid $241K aid approved

2003

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

241 households applied for aid $728K aid approved

Estill County has had 34 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. Irvine 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 Irvine’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Irvine. 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.