Natural hazards · St. Charles

St. Charles, KY natural hazards

Most of the natural-hazard damage FEMA expects in St. Charles comes from inland flooding, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is St. Charles?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Charles to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding47%Tornadoes12%Earthquakes12%Strong wind9%Ice storms5%Everything else14%

By hazard

What St. Charles faces

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

Inland flooding

47% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 14 years in the area

Earthquakes

12% of expected damage

Well above average · higher than 81% of U.S. places

Strong wind

9% of expected damage

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

Recorded about 5 times a year in the area

Ice storms

5% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailWinter weatherCold wavesHeat 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 St. Charles flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hopkins County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit St. Charles

5 federal disasters brought FEMA money here

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

Brought FEMA money into St. CharlesDeclared for Hopkins County only

2025

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

6 households applied for aid $23K aid approved

2024

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

1 household applied for aid

2021

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

9 households applied for aid $1K aid approved

2009

Severe Winter Storm and Flooding

$3K to the City of St. Charles for repairs

2003

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

1 household applied for aid $29K to the City of St. Charles for repairs

Hopkins County has had 25 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. St. Charles 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 St. Charles’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Charles. 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.