Natural hazards · Thruston

Thruston, KY natural hazards

Most of the natural-hazard damage FEMA expects in Thruston comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 6 claims here since 1997.

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

Expected damage

How exposed is Thruston?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thruston to be higher than in 79% of U.S. communities, mostly from inland flooding.

Inland flooding54%Earthquakes14%Tornadoes11%Heat waves6%Everything else15%

By hazard

What Thruston faces

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

Inland flooding

54% of expected damage

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

Recorded about 4 times a year in the area

Earthquakes

14% of expected damage

Well above average · higher than 82% of U.S. places

Tornadoes

11% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 80 years in the area

Heat waves

6% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong 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 Thruston flood?

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

6paid claims since 1997

$152Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Heavy rains: 1 claim, $12K
Tropical Storm Fred: 1 claim, $65K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Daviess County.

Disasters that hit Thruston

Federal disasters declared here

None of the disasters declared for Daviess County shows FEMA aid or repair money reaching Thruston itself in FEMA’s records.

Brought FEMA money into ThrustonDeclared for Daviess County only

Daviess County has had 16 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. Thruston covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Thruston’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Thruston. 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 Thruston total about $2.9M 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.