Natural hazards · Livermore

Livermore, KY natural hazards

Most of the natural-hazard damage FEMA expects in Livermore comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 5 claims here since 1997. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Livermore?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Livermore to be higher than in 83% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding51%Earthquakes16%Strong wind8%Tornadoes7%Ice storms5%Everything else13%

By hazard

What Livermore faces

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

Inland flooding

51% of expected damage

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

Recorded about 2 times a year in the area

Earthquakes

16% of expected damage

Well above average · higher than 83% of U.S. places

Strong wind

8% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 29 years in the area

Ice storms

5% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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 Livermore flood?

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

5paid claims since 1997

$246Kpaid to owners

1homes flooded more than once

19972026

Biggest named events

Central U.S. April Flooding: 2 claims, $212K
Mid-spring storms: 1 claim, $20K
February Kentucky Flooding: 1 claim, $1K

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

Insurance rates: McLean County.

Disasters that hit Livermore

6 federal disasters brought FEMA money here

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

Brought FEMA money into LivermoreDeclared for McLean County only

2025

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

44 households applied for aid $484K aid approved $86K to the City of Livermore for repairs

2011

Severe Storms, Tornadoes, and Flooding

17 households applied for aid $27K aid approved $91K to the City of Livermore for repairs

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

$7K to the City of Livermore for repairs

2009

Severe Winter Storm and Flooding

$67K to the City of Livermore for repairs

2004

Severe Winter Storm and Record Snow

$1K to the City of Livermore for repairs

2003

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

$5K to the City of Livermore for repairs

McLean County has had 20 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. Livermore 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 Livermore’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Livermore. 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.