Natural hazards · West Point

West Point, KY natural hazards

Most of the natural-hazard damage FEMA expects in West Point comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 249 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is West Point?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in West Point to be higher than in 91% of U.S. communities, mostly from inland flooding.

Inland flooding74%Tornadoes6%Everything else20%

By hazard

What West Point faces

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

Inland flooding

74% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 West Point flood?

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

249paid claims since 1978

$5.5Mpaid to owners

33homes flooded more than once

19782026

Biggest named events

Central U.S. April Flooding: 46 claims, $1.8M
Mid-spring storms: 21 claims, $565K
Not a named storm: 18 claims, $20K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (8) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. West Point 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

5flood-prone properties bought out and cleared

5homes raised above flood level

Disasters that hit West Point

4 federal disasters brought FEMA money here

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

Brought FEMA money into West PointDeclared for Hardin County only

2025

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

156 households applied for aid $1.6M aid approved $70K to the City of West Point for repairs

2018

Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides

$712K to the City of West Point for repairs

2011

Severe Storms, Tornadoes, and Flooding

22 households applied for aid $76K aid approved

2009

Severe Winter Storm and Flooding

$23K to the City of West Point for repairs

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

Around West Point

West Point and the towns around it

Very lowLowModerateHighVery high

West Pointmostly inland floodingVery high

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