Natural hazards · Sebree

Sebree, KY natural hazards

Most of the natural-hazard damage FEMA expects in Sebree comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1997. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Sebree?

Very high

vs. U.S. communities

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

Inland flooding46%Earthquakes15%Strong wind10%Tornadoes8%Ice storms6%Drought5%Everything else11%

By hazard

What Sebree faces

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

Inland flooding

46% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Earthquakes

15% of expected damage

Well above average · higher than 84% of U.S. places

Strong wind

10% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 11 years in the area

Ice storms

6% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Drought

5% of expected damage

Recorded about 6 times a year in the area

Lower here

HurricanesHailWinter weatherCold wavesHeat wavesWildfireLandslidesLightning

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 Sebree flood?

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

1paid claims since 1997

$6Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Webster County.

Disasters that hit Sebree

3 federal disasters brought FEMA money here

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

Brought FEMA money into SebreeDeclared for Webster County only

2025

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

38 households applied for aid $384K aid approved

2011

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $4K aid approved

2003

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

1 household applied for aid

Webster County has had 21 natural disasters declared since 1953, most often severe storms and winter storms.

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