States › Kentucky › Floyd County

Floyd County, Kentucky

Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.

FIPS 21071 · 35,274 residents (2021) · 393 sq mi · dominant hazard Wind

Hail · 90Tornado · 2Flood · 198Wind · 259Winter · 150

Floyd County within Kentucky. Dots: HailTornadoFloodWind event locations in the kept record. Boundaries: US Census Bureau.

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.

Between 1950 and 2026, NCEI recorded 744 storm events in Floyd County, Kentucky, led by damaging wind.

That is 189.2 events per 100 square miles, above the Kentucky figure of 140.0, and 210.9 per 10,000 residents against 122.6 statewide.

4 events fall in the 12 months to 30 Jun 2026. NCEI attributes 4 deaths and 10 injuries to events in the county, with property damage estimated at $20M and crop damage at $454K.

FEMA has designated the county in 48 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 2,618 claims since 1978, of which 2,301 were paid, totalling $37M (about $16K per paid claim). FEMA counts 577 residential flood policies in force.

FEMA's National Risk Index rates the county's overall risk as "Relatively Moderate" and its expected annual loss as "Relatively Moderate" ($106M a year across 18 hazards).

5 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.

4events, last 12 monthsto 30 Jun 2026

744events since 19504 deaths, 10 injuries recorded

48disaster declarationslast 24 Jan 2026

2,618NFIP flood claims$37M paid

Compared with Kentucky and the United States

Measure	Floyd County	Kentucky	US
Recorded events since 1950	744	55,285	1,977,440
Events per 100 square miles	189.2	140.0	56.0
Events per 10,000 residents	210.9	122.6	59.6
Events in the last 12 months	4	1,254	62,008
Deaths recorded by NCEI	4	599	26,435
Property damage (NCEI estimates)	$20M	$3.5B	$575B
NFIP claims per 1,000 residents	74.2	6.2	8.1
Average paid NFIP claim	$16K	$22K	$43K
Claims per 100 policies in force, last 10 years	90.5	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

Wind: 2

Hail: 1Tornado: 1Wind: 2

Wind: 10

Hail: 12Flood: 5Wind: 21Winter: 6

Hail: 47Flood: 57Wind: 74Winter: 39Cold: 3Lightning: 2Other: 1

Hail: 15Tornado: 1Flood: 82Wind: 90Winter: 84Heat: 8Cold: 10Drought: 3Fog: 1Other: 11

Hail: 15Flood: 54Wind: 60Winter: 21Cold: 2Lightning: 1Other: 3

01950s21960s41970s101980s441990s2232000s3052010s1562020s

Recorded events in Floyd County by decade and hazard group. HailTornadoFloodWindWinterHeatColdDroughtLightningFogOther NCEI recorded only tornadoes, hail and thunderstorm wind before 1996.

Trend: 588 events in the 20 years to 2025 against 139 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

Wind259

Flood198

Winter150

Hail90

Cold15

Other15

Heat8

Drought3

Lightning3

Tornado2

Fog1

Hazard	Events	Deaths	Share of state's events
■ Wind	259	1	1.2%	detail
■ Flood	198	—	2.4%	detail
■ Winter	150	2	1.9%	detail
■ Hail	90	—	1.4%	detail
■ Cold	15	1	0.7%
■ Other	15	—	1.5%
■ Heat	8	—	0.4%
■ Drought	3	—	0.3%
■ Lightning	3	—	1.3%
■ Tornado	2	—	0.1%
■ Fog	1	—	0.1%

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
14 Jan 2024	Extreme Cold/Wind Chill	Cold	—	—	—	1	1	Forecast zone
29 May 2019	Thunderstorm Wind	Wind	81 mph	$155K	$10K	1	—	County
7 Jan 2020	Winter Weather	Winter	—	$25K	—	1	—	Forecast zone
7 Feb 2020	Winter Weather	Winter	—	—	—	1	—	Forecast zone
3 Dec 2010	Winter Weather	Winter	—	$50K	—	—	3	Forecast zone
9 Sep 1970	Tornado	Tornado	F1	$25K	—	—	2	County
3 Aug 2001	Flash Flood	Flood	—	$7.6M	—	—	1	County
17 Jun 2022	Lightning	Lightning	—	$60K	—	—	1	County
8 Apr 1999	Thunderstorm Wind	Wind	—	$25K	—	—	1	County
5 Aug 1989	Thunderstorm Wind	Wind	0 mph	—	—	—	1	County
31 May 2004	Flood	Flood	—	$4.0M	—	—	—	Forecast zone
1 Jun 2004	Flood	Flood	—	$3.0M	—	—	—	Forecast zone
16 Jun 2003	Flash Flood	Flood	—	$1.2M	—	—	—	County
2 May 2002	Flood	Flood	—	$750K	$250K	—	—	Forecast zone
22 Aug 2014	Flash Flood	Flood	—	$1.0M	—	—	—	County
18 Apr 1998	Flash Flood	Flood	—	$165K	—	—	—	County
15 Apr 2007	Flash Flood	Flood	—	$100K	—	—	—	County
17 Jan 2012	Thunderstorm Wind	Wind	75 mph	$100K	—	—	—	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
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	Individual assistance, Public assistance
16 Feb 2025	EM-3624	Emergency	Severe Storm	Severe Storms, Straight-Line Winds, Flooding, And Landslides	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
29 Jul 2022	DR-4663	Major disaster	Flood	Severe Storms, Flooding, Landslides, And Mudslides	Individual assistance, Public assistance
27 Feb 2022	DR-4643	Major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides	Public assistance
23 Apr 2021	DR-4595	Major disaster	Flood	Severe, Storms, Flooding, Landslides, And Mudslides	Individual assistance, Public assistance
31 Mar 2021	DR-4592	Major disaster	Severe Ice Storm	Severe Winter Storms, Landslides, And Mudslides	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
17 Apr 2019	DR-4428	Major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Flooding, Landslides, And Mudslides	Public assistance
12 Apr 2018	DR-4358	Major disaster	Flood	Severe Storms, Flooding, Landslides, And Mudslides	Public assistance
12 Aug 2015	DR-4239	Major disaster	Severe Storm	Severe Storms, Tornadoes, Straight-Line Winds, Flooding, Landslides, And Mudslide	Public assistance
12 May 2015	DR-4218	Major disaster	Flood	Severe Winter Storm, Snowstorm, Flooding, Landslides, And Mudslides	Public assistance
1 May 2015	DR-4217	Major disaster	Flood	Severe Storms, 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
30 Sep 2014	DR-4196	Major disaster	Severe Storm	Severe Storms, Flooding, Landslides, And Mudslides	Public assistance
4 May 2011	DR-1976	Major disaster	Severe Storm	Severe Storms, Tornadoes, And Flooding	Individual assistance, Public assistance
29 May 2009	DR-1841	Major disaster	Severe Storm	Severe Storms, Tornadoes, Flooding And Mudslides	Individual assistance, 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
25 May 2007	DR-1703	Major disaster	Severe Storm	Severe Storms, Flooding, Mudslides, And Rockslides	Public assistance
10 Sep 2005	EM-3231	Emergency	Hurricane	Hurricane Katrina	Public assistance
10 Jun 2004	DR-1523	Major disaster	Severe Storm	Severe Storms, Tornadoes, Flooding, And Mudslides	Individual assistance, Public assistance
2 Jul 2003	DR-1475	Major disaster	Severe Storm	Severe Storms, Flooding, Mud And Rock Slides, And Tornadoes	Individual assistance, Public assistance
14 Mar 2003	DR-1454	Major disaster	Severe Storm	Severe Winter Ice And Snow Storms, Heavy Rain, Flooding, Tornadoes, And Mud And	Individual assistance, Public assistance
7 May 2002	DR-1414	Major disaster	Severe Storm	Severe Storms, Tornadoes And Flooding	Individual assistance, Public assistance
4 Apr 2002	DR-1407	Major disaster	Severe Storm	Severe Storms And Flooding	Individual assistance
2 Nov 2001	FM-2386	Fire management assistance	Fire	Ky - Eastern Fire Complex - 11/02/2001	Public assistance
15 Aug 2001	DR-1388	Major disaster	Severe Storm	Severe Storms And Flooding	Individual assistance, Public assistance
4 Nov 2000	FM-2350	Fire management assistance	Fire	Ky - Eastern District Fire Complex - 11/03/00	Public assistance
20 Nov 1999	FM-2288	Fire management assistance	Fire	Ky, Wildfires #001	Public assistance
29 Apr 1998	DR-1216	Major disaster	Severe Storm	Severe Storms, Tornadoes,And Flooding	Individual assistance, Public 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
13 Jun 1995	DR-1055	Major disaster	Tornado	Tornadoes, Severe Winds, Hail	Individual assistance, Public assistance
16 Mar 1994	DR-1018	Major disaster	Snowstorm	Severe Weather, Freezing Rain, Sleet, Snw	Public assistance
16 Mar 1993	EM-3104	Emergency	Snowstorm	Severe Snowfall & Winter Storm	Public assistance
30 Oct 1989	DR-846	Major disaster	Flood	Severe Storms, Mudslides & Flooding	Individual assistance, Public assistance
30 Jun 1989	DR-834	Major disaster	Flood	Severe Storms & Flooding	Individual assistance, Public assistance
24 Feb 1989	DR-821	Major disaster	Flood	Severe Storms & Flooding	Individual assistance, Public assistance
15 May 1984	DR-705	Major disaster	Severe Storm	High Winds, Tornadoes & Flooding	Individual assistance, Public assistance
6 Apr 1977	DR-529	Major disaster	Flood	Severe Storms & Flooding	Individual assistance, Public assistance
15 May 1972	DR-332	Major disaster	Flood	Heavy Rains & Flooding	Individual assistance, Public assistance
27 Mar 1967	DR-226	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

197820022026

NFIP claims by year of loss in Floyd County, 1978 to 2026 (hover for the amount paid).

Claims since 19782,618

Paid claims2,301

Total paid$37M

Average paid claim$16K

Repetitive-loss properties25961 severe

Residential policies in force5773.4% of 17,217 structures

Year of loss	Claims	Paid claims	Amount paid	Average paid
2026	3	2	$46,405	$23,203
2025	223	213	$8,822,362	$41,420
2024	3	2	$8,955	$4,477
2023	14	12	$208,281	$17,357
2022	124	112	$3,651,156	$32,600
2021	104	95	$2,059,272	$21,677
2020	24	24	$802,142	$33,423
2019	10	10	$197,891	$19,789
2018	15	15	$289,179	$19,279
2017	2	0	$0	—
2016	6	5	$15,269	$3,054
2015	72	50	$616,577	$12,332
2014	50	42	$1,135,439	$27,034
2013	17	15	$163,253	$10,884
2012	5	4	$19,688	$4,922
2011	22	20	$136,138	$6,807
2010	10	7	$17,198	$2,457
2009	211	193	$4,155,531	$21,531
2008	2	0	$0	—
2007	61	57	$580,529	$10,185
2006	2	1	$16,611	$16,611
2005	15	15	$193,409	$12,894
2004	101	90	$2,261,136	$25,124
2003	280	245	$2,720,317	$11,103
2002	11	9	$54,220	$6,024

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

Overall riskRelatively Moderatescore 94.2 of 100

Expected annual loss$106MRelatively Moderate

Social vulnerabilityVery High

Community resilienceRelatively Moderate

Hazard (NRI)	Risk rating	Expected annual loss
Inland flooding	Relatively High	$101,602,071
Strong wind	Relatively Moderate	$702,239
Wildfire	Relatively Low	$562,661
Cold wave	Relatively Low	$545,397
Tornado	Relatively Low	$487,887
Earthquake	Relatively Low	$408,938
Heat wave	Relatively Low	$376,259
Hail	Relatively Low	$368,676
Lightning	Relatively Moderate	$208,519
Winter weather	Relatively Moderate	$135,030
Hurricane	Very Low	$53,646
Landslide	Relatively Moderate	$43,086
Ice storm	Relatively Low	$21,519
Avalanche	Very Low	$878

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

Tracks within 100 miles5

Tracks within 50 miles2

Hurricane strength within 50 miles0

Storm	Year	Closest approach	Max wind while within 100 mi
Opal	1995	77 mi	46 mph
Hugo	1989	83 mi	46 mph
Unnamed Atlantic storm	1934	30 mi	40 mph
Unnamed Atlantic storm	1932	54 mi	40 mph
Unnamed Atlantic storm	1915	48 mi	40 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

41653 436
41649 428
41630 308
41666 270
41645 172
41640 118
41601 113
41647 97
41635 94
41655 74
41643 67
41619 50
41605 43
41642 36
41636 34
41659 31
41622 29
41603 27
41216 24
41602 22
41627 22
41612 19
41621 17
41651 13
41631 11
41606 9
41668 8
41663 6
41604 5
41625 5

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 Floyd County, KY?

NCEI records 90 hail events in Floyd County since 1950, in 22 different years; that is about 1.2 recorded events a year. 6 reports were golf-ball size (1.75 in) or larger.

Has Floyd County had a tornado?

Yes. NCEI records 2 tornadoes in Floyd County since 1950, 0 of them rated (E)F2 or stronger. Tornado deaths recorded: 0.

When was the last federal disaster declaration for Floyd County?

24 Jan 2026: Severe Winter Storm, a emergency declaration for winter storm. The county appears in 48 declarations since 1953.

How many flood insurance claims have been filed in Floyd County, and how much was paid?

2,618 NFIP claims since 1978, 2,301 of them paid, for $37M in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.

Is Floyd County in the National Risk Index's high-risk band?

FEMA's National Risk Index (December 2025) rates the county "Relatively Moderate" for overall risk, "Relatively Moderate" for expected annual loss, "Very High" for social vulnerability and "Relatively Moderate" for community resilience. These ratings are FEMA's relative comparison across all US counties.

How does Floyd County compare with the rest of Kentucky?

189.2 recorded events per 100 square miles against 140.0 statewide, and 74.2 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.