Natural hazards · Wilmore

Wilmore, KY natural hazards

Most of the natural-hazard damage FEMA expects in Wilmore comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1989. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Wilmore?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wilmore to be higher than in 31% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes20%Strong wind14%Cold waves9%Lightning6%Everything else10%

By hazard

What Wilmore faces

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

Inland flooding

41% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 98 years in the area

Strong wind

14% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 7 times a year in the area

Cold waves

9% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once a year in the area

Lightning

6% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesDrought

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 Wilmore flood?

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

4paid claims since 1989

$255Kpaid to owners

1homes flooded more than once

19892026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jessamine County.

Disasters that hit Wilmore

4 federal disasters brought FEMA money here

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

Brought FEMA money into WilmoreDeclared for Jessamine County only

2025

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

50 households applied for aid $538K aid approved

2021

Severe, Storms, Flooding, Landslides, and Mudslides

2 households applied for aid $328 aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

38 households applied for aid $186K aid approved

2003

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

2 households applied for aid $3K aid approved

Jessamine County has had 23 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. Wilmore 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 Wilmore’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Wilmore. 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.