Natural hazards · Summer Shade

Summer Shade, KY natural hazards

Most of the natural-hazard damage FEMA expects in Summer Shade comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Summer Shade?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Summer Shade to be higher than in 61% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes15%Cold waves11%Hail7%Strong wind7%Everything else11%

By hazard

What Summer Shade faces

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

Inland flooding

48% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

15% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 19 years in the area

Cold waves

11% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Hail

7% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 3 times a year in the area

Strong wind

7% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesIce 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 Summer Shade flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Metcalfe County.

What’s been done with FEMA grants

4storm safe rooms built

Disasters that hit Summer Shade

1 federal disaster brought FEMA money here

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

Brought FEMA money into Summer ShadeDeclared for Metcalfe County only

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

20 households applied for aid $59K aid approved

Metcalfe County has had 27 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. Summer Shade 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 Summer Shade’s own flood-insurance community; household aid to the registrant’s city; repair grants to Summer Shade. 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.