Natural hazards · Owenton

Owenton, KY natural hazards

Most of the natural-hazard damage FEMA expects in Owenton comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Owenton?

Low

vs. U.S. communities

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

Inland flooding40%Tornadoes31%Strong wind13%Cold waves5%Everything else11%

By hazard

What Owenton faces

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

Inland flooding

40% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

31% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 25 years in the area

Strong wind

13% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 6 times a year in the area

Cold waves

5% of expected damage

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

Recorded about 2 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 Owenton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Owen County.

Disasters that hit Owenton

3 federal disasters brought FEMA money here

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

Brought FEMA money into OwentonDeclared for Owen County only

2025

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

74 households applied for aid $600K aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

9 households applied for aid $51K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

4 households applied for aid $3K aid approved

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