Natural hazards · Mortons Gap

Mortons Gap, KY natural hazards

Most of the natural-hazard damage FEMA expects in Mortons Gap comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1982. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mortons Gap?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mortons Gap to be higher than in 78% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding48%Earthquakes17%Tornadoes11%Strong wind7%Everything else17%

By hazard

What Mortons Gap faces

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

Inland flooding

48% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

17% of expected damage

Well above average · higher than 83% of U.S. places

Tornadoes

11% of expected damage

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

Recorded about once every 25 years in the area

Strong wind

7% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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 Mortons Gap flood?

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

2paid claims since 1982

$3Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hopkins County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Mortons Gap

5 federal disasters brought FEMA money here

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

Brought FEMA money into Mortons GapDeclared for Hopkins County only

2025

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

5 households applied for aid $82K aid approved

2024

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

9 households applied for aid $53K aid approved

2021

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

21 households applied for aid $28K aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

1 household applied for aid $4K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

1 household applied for aid $500 aid approved

Hopkins County has had 25 natural disasters declared since 1953, most often severe storms and winter storms.

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. Mortons Gap 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 Mortons Gap’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mortons Gap. 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.