Natural hazards · Versailles

Versailles, KY natural hazards

Most of the natural-hazard damage FEMA expects in Versailles comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1998. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Versailles?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Versailles to be higher than in 52% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes27%Strong wind13%Cold waves7%Everything else10%

By hazard

What Versailles faces

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

Inland flooding

43% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

27% of expected damage

Well above average · higher than 91% of U.S. places

Strong wind

13% of expected damage

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

Recorded about 7 times a year in the area

Cold waves

7% of expected damage

Above average · higher than 61% of U.S. places

Recorded about once 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 Versailles flood?

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

12paid claims since 1998

$324Kpaid to owners

2homes flooded more than once

19982026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Woodford County.

What’s been done with FEMA grants

25flood-prone properties bought out and cleared

7storm safe rooms built

Disasters that hit Versailles

7 federal disasters brought FEMA money here

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

Brought FEMA money into VersaillesDeclared for Woodford County only

2025

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

126 households applied for aid $1.2M aid approved

2025

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

24 households applied for aid $31K aid approved

2021

Severe, Storms, Flooding, Landslides, and Mudslides

16 households applied for aid $30K aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

82 households applied for aid $210K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

17 households applied for aid $25K aid approved

2003

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

2 households applied for aid $4K aid approved

2003

Severe Winter Ice and Snow Storms, Heavy Rain, Flooding, Tornadoes, and Mud and

80 households applied for aid $49K aid approved

Woodford County has had 21 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. Versailles covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Versailles’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Versailles. 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 Versailles total about $1.2M 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.