Natural hazards · McKinney

McKinney, KY natural hazards

Most of the natural-hazard damage FEMA expects in McKinney comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is McKinney?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in McKinney to be higher than in 53% of U.S. communities, mostly from inland flooding.

Inland flooding56%Cold waves12%Strong wind10%Tornadoes8%Everything else14%

By hazard

What McKinney faces

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

Inland flooding

56% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Cold waves

12% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once a year in the area

Strong wind

10% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 27 years 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 McKinney flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lincoln County.

Disasters that hit McKinney

Federal disasters declared here

None of the disasters declared for Lincoln County shows FEMA aid or repair money reaching McKinney itself in FEMA’s records.

Brought FEMA money into McKinneyDeclared for Lincoln County only

Lincoln County has had 25 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. McKinney 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 McKinney’s own flood-insurance community; household aid to the registrant’s city; repair grants to McKinney. 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.