Natural hazards · Shepherdsville

Shepherdsville, KY natural hazards

Most of the natural-hazard damage FEMA expects in Shepherdsville comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 118 claims here since 1983. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Shepherdsville?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shepherdsville to be higher than in 86% of U.S. communities, mostly from inland flooding.

Inland flooding65%Tornadoes15%Cold waves8%Strong wind6%Everything else7%

By hazard

What Shepherdsville faces

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

Inland flooding

65% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 90% of U.S. places

Cold waves

8% of expected damage

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

Recorded about once a year in the area

Strong wind

6% of expected damage

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

Recorded about 7 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 Shepherdsville flood?

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

118paid claims since 1983

$2.2Mpaid to owners

7homes flooded more than once

19832026

Biggest named events

Central U.S. April Flooding: 7 claims, $303K
Mid-spring storms: 2 claims, $45K

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bullitt County.

What’s been done with FEMA grants

55flood-prone properties bought out and cleared

Disasters that hit Shepherdsville

3 federal disasters brought FEMA money here

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

Brought FEMA money into ShepherdsvilleDeclared for Bullitt County only

2025

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

170 households applied for aid $1.3M aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

9 households applied for aid $17K aid approved

2003

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

1 household applied for aid $2K aid approved

Bullitt County has had 23 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. Shepherdsville covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Shepherdsville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Shepherdsville. 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 Shepherdsville total about $10.6M 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.