Natural hazards · Worthington

Worthington, KY natural hazards

Most of the natural-hazard damage FEMA expects in Worthington comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 9 claims here since 1982. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Worthington?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Worthington to be higher than in 48% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding60%Heat waves22%Tornadoes6%Everything else12%

By hazard

What Worthington faces

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

Inland flooding

60% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 2 times a year in the area

Heat waves

22% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 50% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold 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 Worthington flood?

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

9paid claims since 1982

$52Kpaid to owners

1homes flooded more than once

19822026

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

Insurance rates: Greenup County.

Disasters that hit Worthington

2 federal disasters brought FEMA money here

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

Brought FEMA money into WorthingtonDeclared for Greenup County only

2024

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

15 households applied for aid $29K aid approved

2003

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

1 household applied for aid

Greenup County has had 27 natural disasters declared since 1953, most often severe storms and floods.

Around Worthington

Worthington and the towns around it

Very lowLowModerateHighVery high

Wurtlandmostly inland floodingVery high

Worthingtonmostly inland floodingModerate

Racelandmostly inland floodingModerate

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