Photo: Nyttend · Public domainStorms, floods and disasters in Elizabethtown
Elizabethtown isn’t graded for hazard risk: Elizabethtown has 396 residents; we grade towns of 1,000 or more. Flood insurance has paid 17 claims here since 1978.
What Elizabethtown faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Tornadoes
Strong wind
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Elizabethtown flood? Sometimes: 17 flood claims since 1978
Every paid claim on a federal flood insurance policy in Elizabethtown, from FEMA’s records.
- The Mid-spring storms4 claims · $151K
Elizabethtown 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.1 federal disaster brought FEMA money to Elizabethtown
Disasters that paid out in Elizabethtown itself (aid to households or repair grants to the Village of Elizabethtown), newest first, with that year’s flood claims.
- 2011Severe Storms and Flooding24 households applied for aid$201K aid approved4 flood claims paid that year
Hardin County has had 5 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Elizabethtown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Elizabethtown archive →Get ready for what Elizabethtown faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Elizabethtown
Does Elizabethtown flood?
Flood insurance has paid 17 claims in Elizabethtown since 1978, $253K in all. 2 properties have flooded more than once. The most claims came from Mid-spring storms (4).
Is Elizabethtown in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Hardin County, 3% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Elizabethtown?
FEMA’s Community Rating System list shows no discount for Elizabethtown’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Elizabethtown?
By FEMA money that reached Elizabethtown, Severe Storms and Flooding (2011): 24 households applied for aid, $201K approved. By flood claims, Mid-spring storms: 4 paid, $151K.
Storm stories
Memories, warnings and help from neighbors in Elizabethtown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Elizabethtown’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.