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Natural hazards · Lynch

Lynch, KY natural hazards

Most of the natural-hazard damage FEMA expects in Lynch comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1978. 10 federal disasters brought FEMA money into town.

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

How exposed is Lynch?

93
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lynch to be higher than in 93% of U.S. communities, mostly from inland flooding.

Inland flooding82%Cold waves6%Strong wind6%Everything else7%
By hazard

What Lynch 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 2 times a year in the area

Cold waves

6% of expected damage
Above average · higher than 63% of U.S. places
Recorded about once a year in the area

Strong wind

6% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningAvalanches

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 Lynch flood?

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

1paid claims since 1978
$1Kpaid to owners
0homes flooded more than once
19782026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Lynch isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Harlan County.
Disasters that hit Lynch

10 federal disasters brought FEMA money here

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

Brought FEMA money into LynchDeclared for Harlan County only
2025

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

$113K to the City of Lynch for repairs
2023

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

$680K to the City of Lynch for repairs
2022

Severe Storms, Flooding, Landslides, and Mudslides

$307K to the City of Lynch for repairs
2021

Severe, Storms, Flooding, Landslides, and Mudslides

$301K to the City of Lynch for repairs
2021

Severe Winter Storms, Landslides, and Mudslides

$57K to the City of Lynch for repairs
2020

Severe Storms, Flooding, Landslides, and Mudslides

$274K to the City of Lynch for repairs
2019

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

$2.2M to the City of Lynch for repairs
2015

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

$26K to the City of Lynch for repairs
2004

Severe Storms, Tornadoes, Flooding, and Mudslides

4 households applied for aid $23K to the City of Lynch for repairs
2002

Severe Storms and Flooding

$32K to the City of Lynch for repairs
Harlan County has had 30 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. Lynch 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 Lynch’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lynch. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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