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Natural hazards · Martin

Martin, KY natural hazards

Most of the natural-hazard damage FEMA expects in Martin comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 254 claims here since 1978. 11 federal disasters brought FEMA money into town.

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

How exposed is Martin?

96
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Martin to be higher than in 96% of U.S. communities, mostly from inland flooding.

Inland flooding92%Everything else8%
By hazard

What Martin faces

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

Inland flooding

92% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Martin flood?

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

254paid claims since 1978
$4.3Mpaid to owners
28homes flooded more than once
19782026

Biggest named events

  • Storm: 36 claims, $1.1M
  • Not a named storm: 9 claims, $6K
  • February Kentucky Flooding: 6 claims, $606K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (6) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Martin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Floyd County.

What’s been done with FEMA grants

14flood-prone properties bought out and cleared
Disasters that hit Martin

11 federal disasters brought FEMA money here

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

Brought FEMA money into MartinDeclared for Floyd County only
2025

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

103 households applied for aid $812K aid approved
2022

Severe Storms, Flooding, Landslides, and Mudslides

84 households applied for aid $232K aid approved $173K to the City of Martin for repairs
2021

Severe, Storms, Flooding, Landslides, and Mudslides

52 households applied for aid $133K aid approved
2018

Severe Storms, Flooding, Landslides, and Mudslides

$42K to the City of Martin for repairs
2011

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $10K aid approved $4K to the City of Martin for repairs
2009

Severe Storms, Tornadoes, Flooding and Mudslides

175 households applied for aid $540K aid approved $453K to the City of Martin for repairs
2009

Severe Winter Storm and Flooding

$23K to the City of Martin for repairs
2004

Severe Storms, Tornadoes, Flooding, and Mudslides

74 households applied for aid $90K aid approved $20K to the City of Martin for repairs
2003

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

25 households applied for aid $35K aid approved
2003

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

75 households applied for aid $222K aid approved $175K to the City of Martin for repairs
2001

Severe Storms and Flooding

$64K to the City of Martin for repairs
Floyd County has had 43 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. Martin 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 Martin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Martin. 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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