Natural hazards · Mount Washington

Mount Washington, KY natural hazards

Most of the natural-hazard damage FEMA expects in Mount Washington comes from tornadoes, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1997. 6 federal disasters brought FEMA money into town.

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

How exposed is Mount Washington?

31
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Washington to be higher than in 31% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes32%Inland flooding29%Cold waves19%Strong wind11%Everything else9%
By hazard

What Mount Washington faces

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

Tornadoes

32% of expected damage
Well above average · higher than 92% of U.S. places

Inland flooding

29% of expected damage
Below average · higher than 37% of U.S. places
Recorded about once a year in the area

Cold waves

19% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once a year in the area

Strong wind

11% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about 7 times a year 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 Mount Washington flood?

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

2paid claims since 1997
$84Kpaid to owners
0homes flooded more than once
19972026

Biggest named events

  • February Kentucky Flooding: 1 claim, $45K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Mount Washington isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Bullitt County.
Disasters that hit Mount Washington

6 federal disasters brought FEMA money here

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

Brought FEMA money into Mount WashingtonDeclared for Bullitt County only
2025

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

10 households applied for aid $43K aid approved
2023

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

$41K to the City of Mount Washington for repairs
2015

Severe Winter Storm, Snowstorm, Flooding, Landslides, and Mudslides

$28K to the City of Mount Washington for repairs
2009

Severe Winter Storm and Flooding

$31K to the City of Mount Washington for repairs
2008

Severe Wind Storm Associated With Tropical Depression Ike

$5K to the City of Mount Washington for repairs
2004

Severe Storms, Tornadoes, Flooding, and Mudslides

2 households applied for aid $5K aid approved
Bullitt County has had 23 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. Mount Washington covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Mount Washington’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Mount Washington. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Mount Washington total about $4.1M a year, counting buildings, people and crops.

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