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Hotel MetropolitanHotel Metropolitan · Photo: Nyttend · Public domain
C−Hazard risk
Natural hazards in Calvert City · FEMA

More hazard damage per building is expected in Calvert City than in 84% of U.S. towns, led by earthquakes

On FEMA’s National Risk Index, Calvert City gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns, #120 of 142 in Kentucky. Most of that expected damage is earthquakes (43%), then river and rain flooding (35%). Flood insurance has paid 5 claims here since 2011.

Earthquakes 43%River and rain flooding 35%Ice storms 6%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 84%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#120 of 142 in Kentucky
Hazard risk
C−#120 of 142
in Kentucky · higher than 84% of U.S. towns
Main hazard
Earthquakes
43% of expected building damage
Flood claims
5
paid since 2011 · $220K
Disasters paid out here
6
of 22 declared for Marshall County
By hazard

What Calvert City faces

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

Earthquakes

43%of expected building damage
Well above average · higher than 90% of U.S. census tracts

River and rain flooding

35%of expected building damage
About average · lower than 54% of U.S. census tracts
Recorded about 2 times a year in the area

Ice storms

6%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

6%of expected building damage
Above average · higher than 78% of U.S. census tracts
Smaller shares here
 Strong wind top 4% Hail Winter storms top 2% Hurricanes Wildfire Cold waves Heat waves Landslides Lightning
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.
Hazard risk grade

What’s behind Calvert City’s grade

Earthquakes are 43% of the building damage FEMA expects in Calvert City, and Calvert City’s rate of earthquakes damage is higher than 90% of U.S. census tracts. Ice storms add 6%, at a rate in the top 2% of U.S. census tracts.

Where Calvert City sits
Calvert City
Least damageMiddleMost damage

C− #120 of 142 in Kentucky; higher expected damage per building than 84% of U.S. towns (21,298).

Calvert City’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
Earthquakes43%River and rain flooding35%Ice storms6%Everything else15%

The typical Kentucky town has higher expected damage than 52% of U.S. towns; within the state, Calvert City has more expected damage per building than 84% of Kentucky towns.

In dollars, FEMA expects about $2.6M a year in losses across Calvert City: $1.8M to buildings, the rest to people and crops.

A small-area figure. Calvert City covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Calvert City flood? Rarely: 5 flood claims since 2011

Every paid claim on a federal flood insurance policy in Calvert City, from FEMA’s records: 4.0 per 1,000 homes, more than 55% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2011: 4 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 1 claim2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims20112016
20112026
Biggest named events
  • The Mid-spring storms4 claims · $213K
5
paid claims since 2011
$220K
paid to owners
0
homes flooded more than once
$44K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Marshall County.
What’s been done with FEMA grants
4flood-prone properties bought out and cleared
1storm safe room built
Disasters

6 federal disasters brought FEMA money to Calvert City

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

  1. 2021Severe Storms, Straight-line Winds, Flooding, and Tornadoes110 households applied for aid$15K aid approved
  2. 2019Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides$73K to the City of Calvert City for repairs
  3. 2011Severe Storms, Tornadoes, and Flooding42 households applied for aid$184K aid approved$174K to the City of Calvert City for repairs4 flood claims paid that year
  4. 2009Severe Winter Storm and Flooding$151K to the City of Calvert City for repairs
  5. 2008Severe Wind Storm Associated with Tropical Depression Ike$43K to the City of Calvert City for repairs
  6. 2004Severe Winter Storm and Record Snow$7K to the City of Calvert City for repairs
Disasters declared, by decade
Paid out in Calvert CityMarshall County only

Marshall County has had 22 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 Calvert City after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Calvert City archive →
Be ready

Get ready for what Calvert City faces

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

Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
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 ↗
Ice storms
  • Ice brings down trees and lines: plan for days without power.
  • Run a generator outside, far from doors and windows.
  • Keep sand or salt by the door.
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 ↗
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 Calvert City

Is Calvert City at risk for natural disasters?

On FEMA’s National Risk Index, Calvert City has higher expected damage per building than 84% of U.S. towns: C− for hazard risk, #120 of 142 in Kentucky. Most of the expected damage is earthquakes (43%) and river and rain flooding (35%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Calvert City flood?

Flood insurance has paid 5 claims in Calvert City since 2011, $220K in all, or 4.0 per 1,000 homes, more than 55% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (4).

Is Calvert City 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 Marshall County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Calvert City?

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

By FEMA money that reached Calvert City, Severe Storms, Tornadoes, and Flooding (2011): 42 households applied for aid, $184K approved, and $174K to the City of Calvert City for repairs. By flood claims, Mid-spring storms: 4 paid, $213K.

Is Calvert City at risk from earthquakes?

It is the largest share of the building damage FEMA expects here (43%), and Calvert City’s rate for it is higher than 90% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Calvert City.

Town Square →
Start the conversation

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