Natural hazards · Warsaw

Warsaw, KY natural hazards

Most of the natural-hazard damage FEMA expects in Warsaw comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2025.

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

Expected damage

How exposed is Warsaw?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Warsaw to be higher than in 85% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding59%Tornadoes17%Strong wind15%Everything else9%

By hazard

What Warsaw faces

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

Inland flooding

59% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

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

Recorded about once every 100 years in the area

Strong wind

15% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Warsaw flood?

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

1paid claims since 2025

$39Kpaid to owners

0homes flooded more than once

20252026

Biggest named events

Central U.S. April Flooding: 1 claim, $39K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gallatin County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Warsaw

Federal disasters declared here

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

Brought FEMA money into WarsawDeclared for Gallatin County only

Gallatin County has had 14 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. Warsaw 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 Warsaw’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Warsaw. 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.