Natural hazards · Milton

Milton, KY natural hazards

Most of the natural-hazard damage FEMA expects in Milton comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 26 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Milton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Milton to be higher than in 65% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes27%Strong wind13%Everything else10%

By hazard

What Milton faces

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

Inland flooding

51% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once a year in the area

Tornadoes

27% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 27 years in the area

Strong wind

13% of expected damage

Well above average · higher than 91% 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 Milton flood?

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

26paid claims since 1978

$278Kpaid to owners

1homes flooded more than once

19782026

Biggest named events

Not a named storm: 10 claims, $27K
Central U.S. April Flooding: 3 claims, $36K

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

Insurance rates: Trimble County.

What’s been done with FEMA grants

5flood-prone properties bought out and cleared

Disasters that hit Milton

3 federal disasters brought FEMA money here

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

Brought FEMA money into MiltonDeclared for Trimble County only

2025

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

30 households applied for aid $199K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds, Flooding, Landslides, and Mudslide

11 households applied for aid $24K aid approved

2012

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

4 households applied for aid $2K aid approved

Trimble County has had 19 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. Milton 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 Milton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Milton. 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.