Natural hazards · Raceland

Raceland, KY natural hazards

Most of the natural-hazard damage FEMA expects in Raceland comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2009. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Raceland?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Raceland to be higher than in 48% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding60%Heat waves22%Tornadoes6%Everything else12%

By hazard

What Raceland faces

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

Inland flooding

60% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 2 times a year in the area

Heat waves

22% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 50% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Raceland flood?

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

2paid claims since 2009

$7Kpaid to owners

0homes flooded more than once

20092026

Biggest named events

Late summer storms: 1 claim, $6K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Greenup County.

Disasters that hit Raceland

4 federal disasters brought FEMA money here

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

Brought FEMA money into RacelandDeclared for Greenup County only

2024

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

13 households applied for aid $6K aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

1 household applied for aid $3K aid approved

2003

Severe Storms, Flooding, Mud and Rock Slides, and Tornadoes

5 households applied for aid $16K aid approved

2003

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

5 households applied for aid $2K aid approved

Greenup County has had 27 natural disasters declared since 1953, most often severe storms and floods.

Around Raceland

Raceland and the towns around it

Very lowLowModerateHighVery high

Wurtlandmostly inland floodingVery high

Racelandmostly inland floodingModerate

Worthingtonmostly inland floodingModerate

Flatwoodsmostly inland floodingLow

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. Raceland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Raceland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Raceland. 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 Raceland total about $1.3M 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.