Natural hazards · Millersburg

Millersburg, KY natural hazards

Most of the natural-hazard damage FEMA expects in Millersburg comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 13 claims here since 1990. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Millersburg?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Millersburg to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding69%Tornadoes11%Strong wind8%Everything else13%

By hazard

What Millersburg faces

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

Inland flooding

69% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 31 years in the area

Strong wind

8% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Millersburg flood?

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

13paid claims since 1990

$267Kpaid to owners

2homes flooded more than once

19902026

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

Insurance rates: Bourbon County.

What’s been done with FEMA grants

5flood-prone properties bought out and cleared

Disasters that hit Millersburg

3 federal disasters brought FEMA money here

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

Brought FEMA money into MillersburgDeclared for Bourbon County only

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

6 households applied for aid $16K aid approved

2009

Severe Winter Storm and Flooding

$17K to the City of Millersburg for repairs

2003

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

$7K to the City of Millersburg for repairs

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