States › Kentucky › Caldwell County
Caldwell County, Kentucky
Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.
NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NCEI storm records through 30 Jun 2026; OpenFEMA declarations refreshed 1 Oct 2026; NFIP claims as of 8 Sep 2026.
Caldwell County, Kentucky, has 617 weather events in the NCEI Storm Events record since 1950, most of them damaging wind.
That is 178.9 events per 100 square miles, above the Kentucky figure of 140.0, and 488.8 per 10,000 residents against 122.6 statewide.
24 events fall in the 12 months to 30 Jun 2026. NCEI attributes 7 deaths and 32 injuries to events in the county, with property damage estimated at $23M and crop damage at $12M.
FEMA has designated the county in 27 federal disaster declarations since 1953; the most recent is Severe Winter Storm (emergency, 24 Jan 2026).
National Flood Insurance Program policyholders in the county filed 11 claims since 1978, of which 10 were paid, totalling $253K (about $25K per paid claim). FEMA counts 16 residential flood policies in force.
FEMA's National Risk Index rates the county's overall risk as "Very Low" and its expected annual loss as "Very Low" ($9.3M a year across 18 hazards).
3 tropical storm or hurricane tracks in the HURDAT2 record passed within 100 miles of the county's centre at tropical-storm strength or more, 0 of them within 50 miles at hurricane strength.
Compared with Kentucky and the United States
| Measure | Caldwell County | Kentucky | US |
|---|---|---|---|
| Recorded events since 1950 | 617 | 55,285 | 1,977,440 |
| Events per 100 square miles | 178.9 | 140.0 | 56.0 |
| Events per 10,000 residents | 488.8 | 122.6 | 59.6 |
| Events in the last 12 months | 24 | 1,254 | 62,008 |
| Deaths recorded by NCEI | 7 | 599 | 26,435 |
| Property damage (NCEI estimates) | $23M | $3.5B | $575B |
| NFIP claims per 1,000 residents | 0.9 | 6.2 | 8.1 |
| Average paid NFIP claim | $25K | $22K | $43K |
| Claims per 100 policies in force, last 10 years | 6.3 | 37.3 | 16.1 |
County-recorded events plus zone-recorded events whose forecast zone is named for the county. State and US rows include events recorded only by forecast zone. Rates use 2021 Census population and land area.
Events by decade
Trend: 452 events in the 20 years to 2025 against 130 in the 20 years before. Reporting practice changed in 1996 and again with automated reports in the 2000s, so decade totals measure the record as much as the weather.
Events by type
Hazard pages exist for hail, tornado, flood, wind and winter where the county has at least 10 recorded events. "Other" covers heavy rain, debris flow, dust, funnel clouds and similar reports.
Largest recorded events
| Date | Event type | Group | Magnitude | Property damage | Crop damage | Deaths | Injuries | Geography |
|---|---|---|---|---|---|---|---|---|
| 10 Dec 2021 | Tornado | Tornado | EF4 | — | — | 4 | 11 | County |
| 26 May 2024 | Tornado | Tornado | EF2 | $500K | — | 1 | 4 | County |
| 28 Jul 2015 | Flash Flood | Flood | — | $80K | — | 1 | — | County |
| 16 Feb 2025 | Flood | Flood | — | — | — | 1 | — | County |
| 4 Apr 1968 | Tornado | Tornado | F4 | — | — | — | 5 | County |
| 21 Jul 2005 | Heat | Heat | — | — | — | — | 4 | Forecast zone |
| 24 Apr 1970 | Tornado | Tornado | F3 | — | — | — | 3 | County |
| 12 Jan 2012 | Winter Weather | Winter | — | — | — | — | 2 | Forecast zone |
| 14 Sep 2008 | High Wind | Wind | 66 mph | $4.0M | $3.0M | — | 1 | Forecast zone |
| 26 Jan 2009 | Ice Storm | Winter | — | $12M | — | — | — | Forecast zone |
| 5 Jul 1987 | Thunderstorm Wind | Wind | 70 mph | — | — | — | 1 | County |
| 21 Feb 2008 | Winter Weather | Winter | — | — | — | — | 1 | Forecast zone |
| 1 Sep 1999 | Drought | Drought | — | — | $7.0M | — | — | Forecast zone |
| 1 Sep 2007 | Drought | Drought | — | — | $2.2M | — | — | Forecast zone |
| 16 May 2025 | Thunderstorm Wind | Wind | 93 mph | $2.1M | — | — | — | County |
| 13 May 1995 | Tornado | Tornado | F2 | $500K | $50K | — | — | County |
| 11 Feb 2008 | Winter Storm | Winter | — | $500K | — | — | — | Forecast zone |
| 18 Oct 2007 | Tornado | Tornado | EF2 | $250K | — | — | — | County |
| 1 May 2011 | Flood | Flood | — | $250K | — | — | — | County |
| 17 Nov 2013 | Tornado | Tornado | EF1 | $200K | — | — | — | County |
Ranked by deaths, then injuries, then NCEI's damage estimate. Deaths and injuries are NCEI counts (direct plus indirect); no personal details are recorded here.
Federal disaster declarations
| Declared | Number | Type | Incident | Title | Programs |
|---|---|---|---|---|---|
| 24 Jan 2026 | EM-3633 | Emergency | Winter Storm | Severe Winter Storm | Public assistance |
| 23 May 2025 | DR-4875 | Major disaster | Severe Storm | Severe Storms, Straight-Line Winds, And Tornadoes | Individual assistance, Public assistance |
| 24 Apr 2025 | DR-4864 | Major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Public assistance |
| 3 Apr 2025 | EM-3626 | Emergency | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, And Flooding | Public assistance |
| 24 Feb 2025 | DR-4860 | Major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Flooding, Landslides, And Mudslides | Public assistance |
| 16 Feb 2025 | EM-3624 | Emergency | Severe Storm | Severe Storms, Straight-Line Winds, Flooding, And Landslides | Public assistance |
| 23 Jul 2024 | DR-4804 | Major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, Landslides, And Mudslides | Individual assistance, Public assistance |
| 9 May 2023 | DR-4711 | Major disaster | Flood | Severe Storms, Straight-Line Winds, Flooding, Landslides, And Mudslides | Public assistance |
| 10 Apr 2023 | DR-4702 | Major disaster | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Public assistance |
| 12 Dec 2021 | DR-4630 | Major disaster | Tornado | Severe Storms, Straight-Line Winds, Flooding, And Tornadoes | Individual assistance, Public assistance |
| 11 Dec 2021 | EM-3575 | Emergency | Tornado | Severe Storms, Straight-Line Winds, Flooding, And Tornadoes | Public assistance |
| 28 Mar 2020 | DR-4497 | Major disaster | Biological | Covid-19 Pandemic | Individual assistance, Public assistance |
| 13 Mar 2020 | EM-3469 | Emergency | Biological | Covid-19 | Public assistance |
| 26 Apr 2018 | DR-4361 | Major disaster | Flood | Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides | Public assistance |
| 26 Aug 2016 | DR-4278 | Major disaster | Severe Storm | Severe Storm, Tornadoes, Flooding, Landslides, And Mudslides | Public assistance |
| 30 Apr 2015 | DR-4216 | Major disaster | Snowstorm | Severe Winter Storms, Snowstorms, Flooding, Landslides, And Mudslides | Public assistance |
| 4 May 2011 | DR-1976 | Major disaster | Severe Storm | Severe Storms, Tornadoes, And Flooding | Public assistance |
| 5 Feb 2009 | DR-1818 | Major disaster | Severe Ice Storm | Severe Winter Storm And Flooding | Public assistance |
| 28 Jan 2009 | EM-3302 | Emergency | Severe Ice Storm | Severe Winter Storm | Public assistance |
| 9 Oct 2008 | DR-1802 | Major disaster | Severe Storm | Severe Wind Storm Associated With Tropical Depression Ike | Public assistance |
| 10 Sep 2005 | EM-3231 | Emergency | Hurricane | Hurricane Katrina | Public assistance |
| 8 Feb 2005 | DR-1578 | Major disaster | Snowstorm | Severe Winter Storm And Record Snow | Public assistance |
| 10 Jun 2004 | DR-1523 | Major disaster | Severe Storm | Severe Storms, Tornadoes, Flooding, And Mudslides | Individual assistance |
| 3 Jun 2003 | DR-1471 | Major disaster | Severe Storm | Severe Storms, Flooding, Mud And Rock Slides, And Tornadoes | Individual assistance |
| 4 Mar 1997 | DR-1163 | Major disaster | Severe Storm | Severe Storm, Flooding, And Tornadoes | Individual assistance, Public assistance |
| 13 Jan 1996 | DR-1089 | Major disaster | Snowstorm | Blizzard Of 96 | Public assistance |
| 24 Feb 1989 | DR-821 | Major disaster | Flood | Severe Storms & Flooding | Individual assistance, Public assistance |
Declarations in which FEMA designated this county, from the OpenFEMA Disaster Declarations Summaries (v2). DR: major disaster; EM: emergency; FM: fire management assistance. Programs show whether individual or public assistance was made available.
Flood insurance claims
| Year of loss | Claims | Paid claims | Amount paid | Average paid |
|---|---|---|---|---|
| 2025 | 1 | 1 | $34,256 | $34,256 |
| 2016 | 4 | 4 | $37,925 | $9,481 |
| 2011 | 1 | 1 | $2,471 | $2,471 |
| 2010 | 1 | 1 | $19,543 | $19,543 |
| 2009 | 2 | 1 | $67,233 | $67,233 |
| 2005 | 1 | 1 | $56,791 | $56,791 |
| 1998 | 1 | 1 | $34,645 | $34,645 |
OpenFEMA NFIP claims (v3, as of 8 Sep 2026), aggregated by year of loss; amounts are building, contents and increased-cost-of-compliance payments as recorded. Repetitive-loss counts from the NFIP Multiple Loss Properties file (2 Aug 2026); policies in force from the NFIP Residential Penetration Rates file (3 Aug 2026).
National Risk Index
| Hazard (NRI) | Risk rating | Expected annual loss |
|---|---|---|
| Inland flooding | $2,755,533 | |
| Earthquake | $2,358,560 | |
| Tornado | $1,428,155 | |
| Ice storm | $664,759 | |
| Strong wind | $623,492 | |
| Drought | $449,862 | |
| Cold wave | $441,653 | |
| Heat wave | $319,647 | |
| Hail | $149,943 | |
| Lightning | $92,025 | |
| Winter weather | $45,261 | |
| Hurricane | $5,815 | |
| Wildfire | $1,428 | |
| Landslide | $194 |
FEMA National Risk Index, December 2025 release. Ratings are FEMA's relative comparison of counties; expected annual loss is FEMA's modelled estimate of average yearly building, population and agriculture loss. See how to read the NRI.
Hurricane and tropical storm passes
| Storm | Year | Closest approach | Max wind while within 100 mi |
|---|---|---|---|
| Helene | 2024 | 96 mi | 46 mph |
| Unnamed Atlantic storm | 1915 | 74 mi | 40 mph |
| Unnamed Atlantic storm | 1888 | 45 mi | 58 mph |
HURDAT2 best-track positions at tropical-storm strength (34 kt) or more, measured from the county's Census centre point; through the 2025 season. Distance from a track is not the same as the extent of the storm's wind, rain or surge.
ZIP codes with flood claims
- 42445 11
ZIP codes whose NFIP claims carry this county's code, with the number of claims. Five or more claims are needed for a ZIP page to be indexed.
Questions and answers
How often does it hail in Caldwell County, KY?
NCEI records 46 hail events in Caldwell County since 1950, in 25 different years; that is about 0.6 recorded events a year. 8 reports were golf-ball size (1.75 in) or larger.
Has Caldwell County had a tornado?
Yes. NCEI records 18 tornadoes in Caldwell County since 1950, 7 of them rated (E)F2 or stronger. Tornado deaths recorded: 5.
When was the last federal disaster declaration for Caldwell County?
24 Jan 2026: Severe Winter Storm, a emergency declaration for winter storm. The county appears in 27 declarations since 1953.
How many flood insurance claims have been filed in Caldwell County, and how much was paid?
11 NFIP claims since 1978, 10 of them paid, for $253K in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.
Is Caldwell County in the National Risk Index's high-risk band?
FEMA's National Risk Index (December 2025) rates the county "Very Low" for overall risk, "Very Low" for expected annual loss, "Relatively High" for social vulnerability and "Relatively Moderate" for community resilience. These ratings are FEMA's relative comparison across all US counties.
How does Caldwell County compare with the rest of Kentucky?
178.9 recorded events per 100 square miles against 140.0 statewide, and 0.9 NFIP claims per 1,000 residents against 6.2. The comparison table on this page shows each measure beside the state and national figures.
Provenance
Storm events: NOAA NCEI Storm Events Database, yearly details files through 30 Jun 2026 (public domain). Declarations: OpenFEMA DisasterDeclarationsSummaries v2, refreshed 1 Oct 2026. Flood claims: OpenFEMA NfipClaims v3 as of 8 Sep 2026; NfipMultipleLossProperties v1 (2 Aug 2026); NfipResidentialPenetrationRates v1 (3 Aug 2026). Risk index: FEMA National Risk Index, December 2025. Hurricane tracks: NHC HURDAT2 through 2025. Population and area: US Census Bureau, 2021 vintage. Built 1 Oct 2026; see the methodology and corrections pages. Hazard hubs: Hail · Tornado · Flood · Wind · Winter.