Natural hazards · Utica

Utica, KY natural hazards

Most of the natural-hazard damage FEMA expects in Utica comes from inland flooding, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Utica?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Utica to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding49%Earthquakes14%Tornadoes10%Strong wind6%Heat waves6%Everything else15%

By hazard

What Utica faces

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

Inland flooding

49% of expected damage

Well above average · higher than 87% 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

10% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 15 years in the area

Strong wind

6% of expected damage

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

Recorded about 5 times a year 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 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 Utica flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Utica 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 Utica

3 federal disasters brought FEMA money here

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

Brought FEMA money into UticaDeclared for Daviess County only

2025

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

18 households applied for aid $137K aid approved

2011

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $14K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

2 households applied for aid $582 aid approved

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