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Buffalo-KY61-kyPhoto: Brian Stansberry · CC BY 4.0
–Not graded
Natural hazards in Buffalo · FEMA

Storms, floods and disasters in Buffalo

Buffalo isn’t graded for hazard risk: Buffalo has 735 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 20 declared for Larue County
By hazard

What Buffalo 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

78%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once every 1 years in the area

Tornadoes

8%of expected building damage
Well above average · higher than 89% of U.S. census tracts

Hail

7%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Strong wind Earthquakes Ice storms Winter storms Hurricanes Lightning Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

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 Buffalo flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Buffalo. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Larue County.
Disasters

2 federal disasters brought FEMA money to Buffalo

Disasters that paid out in Buffalo itself (aid to households or repair grants to Buffalo), newest first, with that year’s flood claims.

  1. 2025Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides4 households applied for aid$300 aid approved
  2. 2010Severe Storms, Flooding, Mudslides, and Tornadoes3 households applied for aid$8K aid approved
Disasters declared, by decade
Paid out in BuffaloLarue County only

Larue County has had 20 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.

Were you here?

Old photos of Buffalo after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Buffalo archive →
Be ready

Get ready for what Buffalo faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Buffalo

Is Buffalo 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 Larue County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Buffalo?

FEMA’s Community Rating System list shows no discount for Buffalo’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 Buffalo?

By FEMA money that reached Buffalo, Severe Storms, Flooding, Mudslides, and Tornadoes (2010): 3 households applied for aid, $8K approved.

Storm stories

Memories, warnings and help from neighbors in Buffalo.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Buffalo’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.