Natural hazards · Livingston

Livingston, KY natural hazards

Most of the natural-hazard damage FEMA expects in Livingston comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1984. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Livingston?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Livingston to be higher than in 86% of U.S. communities, mostly from inland flooding.

Inland flooding72%Cold waves8%Tornadoes7%Everything else13%

By hazard

What Livingston faces

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

Inland flooding

72% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 2 times a year in the area

Cold waves

8% of expected damage

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

Recorded about once a year in the area

Tornadoes

7% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 31 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Livingston flood?

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

1paid claims since 1984

$2Kpaid to owners

0homes flooded more than once

19842026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rockcastle County.

Disasters that hit Livingston

5 federal disasters brought FEMA money here

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

Brought FEMA money into LivingstonDeclared for Rockcastle County only

2024

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

$3K to the City of Livingston for repairs

2021

Severe, Storms, Flooding, Landslides, and Mudslides

21 households applied for aid $208K aid approved $67K to the City of Livingston for repairs

2019

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

$7K to the City of Livingston for repairs

2015

Severe Winter Storms, Snowstorms, Flooding, Landslides, and Mudslides

$2K to the City of Livingston for repairs

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

20 households applied for aid $55K aid approved

Rockcastle County has had 30 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. Livingston 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 Livingston’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Livingston. 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.