Natural hazards · Warfield

Warfield, KY natural hazards

Most of the natural-hazard damage FEMA expects in Warfield comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 7 claims here since 2021. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Warfield?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Warfield to be higher than in 97% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%

By hazard

What Warfield faces

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

Inland flooding

88% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Warfield flood?

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

7paid claims since 2021

$1.4Mpaid to owners

1homes flooded more than once

20212026

Biggest named events

February Kentucky Flooding: 6 claims, $1.2M

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. Warfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Martin County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Warfield

7 federal disasters brought FEMA money here

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

Brought FEMA money into WarfieldDeclared for Martin County only

2025

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

53 households applied for aid $203K aid approved

2022

Severe Storms, Flooding, Landslides, and Mudslides

15 households applied for aid $42K aid approved

2021

Severe, Storms, Flooding, Landslides, and Mudslides

5 households applied for aid $37K aid approved

2012

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

10 households applied for aid $6K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

23 households applied for aid $26K aid approved

2003

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

3 households applied for aid $2K aid approved

2003

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

20 households applied for aid $72K aid approved $16K to the City of Warfield for repairs

Martin County has had 33 natural disasters declared since 1953, most often severe storms and floods.

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