Natural hazards · Radcliff

Radcliff, KY natural hazards

Most of the natural-hazard damage FEMA expects in Radcliff comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 15 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 Radcliff?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Radcliff to be higher than in 28% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding35%Tornadoes17%Cold waves12%Strong wind11%Earthquakes9%Hail6%Everything else12%

By hazard

What Radcliff faces

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

Inland flooding

35% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

Above average · higher than 73% of U.S. places

Cold waves

12% of expected damage

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

Recorded about once a year in the area

Strong wind

11% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 6 times a year in the area

Earthquakes

9% of expected damage

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

Hail

6% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat 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 Radcliff flood?

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

15paid claims since 1997

$373Kpaid to owners

1homes flooded more than once

19972026

Biggest named events

March storm: 1 claim, $887
Central U.S. April Flooding: 1 claim, $15K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 05% off flood insurance. Radcliff is in FEMA’s Community Rating System (class 9) for its flood-proofing work.

Insurance rates: Hardin County.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

Disasters that hit Radcliff

6 federal disasters brought FEMA money here

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

Brought FEMA money into RadcliffDeclared for Hardin County only

2025

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

61 households applied for aid $221K aid approved

2011

Severe Storms, Tornadoes, and Flooding

19 households applied for aid $34K aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

6 households applied for aid $5K aid approved

2008

Severe Storms, Tornadoes, Straight-Line Winds, and

10 households applied for aid $5K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

6 households applied for aid $13K aid approved

2003

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

4 households applied for aid $9K aid approved

Hardin County has had 24 natural disasters declared since 1953, most often severe storms and floods.

Around Radcliff

Radcliff and the towns around it

Very lowLowModerateHighVery high

Vine Grovemostly inland floodingHigh

Fort Knoxmostly inland floodingModerate

Elizabethtownmostly inland floodingLow

Radcliffmostly 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. Radcliff covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Radcliff’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Radcliff. 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 Radcliff total about $6.5M 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.