Natural hazards · Rockholds

Rockholds, KY natural hazards

Most of the natural-hazard damage FEMA expects in Rockholds comes from inland flooding, and overall the risk is very high 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 Rockholds?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rockholds to be higher than in 83% of U.S. communities, mostly from inland flooding.

Inland flooding59%Cold waves12%Wildfire10%Tornadoes8%Everything else12%

By hazard

What Rockholds faces

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

Inland flooding

59% of expected damage

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

Recorded about 3 times a year in the area

Cold waves

12% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once a year in the area

Wildfire

10% of expected damage

Well above average · higher than 97% of U.S. places

Tornadoes

8% of expected damage

Above average · higher than 69% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Rockholds flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Whitley County.

Disasters that hit Rockholds

3 federal disasters brought FEMA money here

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

Brought FEMA money into RockholdsDeclared for Whitley County only

2024

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

5 households applied for aid $10K aid approved

2022

Severe Storms, Flooding, Landslides, and Mudslides

22 households applied for aid $6K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

3 households applied for aid $11K aid approved

Whitley County has had 33 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. Rockholds 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 Rockholds’s own flood-insurance community; household aid to the registrant’s city; repair grants to Rockholds. 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.