Natural hazards · La Grange

La Grange, KY natural hazards

Most of the natural-hazard damage FEMA expects in La Grange comes from tornadoes, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is La Grange?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in La Grange to be higher than in 33% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes36%Inland flooding33%Strong wind14%Cold waves8%Everything else10%

By hazard

What La Grange faces

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

Tornadoes

36% of expected damage

Well above average · higher than 95% of U.S. places

Inland flooding

33% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once a year in the area

Strong wind

14% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

8% of expected damage

Well above average · higher than 86% 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 La Grange flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oldham County.

Disasters that hit La Grange

3 federal disasters brought FEMA money here

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

Brought FEMA money into La GrangeDeclared for Oldham County only

2025

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

9 households applied for aid $24K aid approved

2024

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

17 households applied for aid $5K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

43 households applied for aid $73K aid approved

Oldham County has had 15 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. La Grange 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 La Grange’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of La Grange. 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.