Natural hazards · Vine Grove

Vine Grove, KY natural hazards

Most of the natural-hazard damage FEMA expects in Vine Grove comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 2006. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Vine Grove?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Vine Grove to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding56%Tornadoes12%Cold waves8%Strong wind8%Everything else17%

By hazard

What Vine Grove faces

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

Inland flooding

56% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 73% of U.S. places

Cold waves

8% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Strong wind

8% of expected damage

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

Recorded about 6 times 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 Vine Grove flood?

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

5paid claims since 2006

$51Kpaid to owners

0homes flooded more than once

20062026

Biggest named events

Central U.S. April Flooding: 2 claims, $23K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hardin County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Vine Grove

6 federal disasters brought FEMA money here

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

Brought FEMA money into Vine GroveDeclared for Hardin County only

2025

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

66 households applied for aid $359K aid approved

2011

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $948 aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

2 households applied for aid $2K aid approved

2008

Severe Storms, Tornadoes, Straight-Line Winds, and

7 households applied for aid

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

3 households applied for aid $9K aid approved

2003

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

1 household applied for aid $220 aid approved

Hardin County has had 24 natural disasters declared since 1953, most often severe storms and floods.

Around Vine Grove

Vine Grove and the towns around it

Very lowLowModerateHighVery high

Vine Grovemostly inland floodingHigh

Radcliffmostly inland floodingLow

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. Vine Grove covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Vine Grove’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Vine Grove. 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 Vine Grove total about $2.1M 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.