Joseph Holt House and Chapel · Photo: Hunter Hawley · CC BY-SA 4.0FEMA expects more hazard damage per building in Cloverport than in 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cloverport gets a D for hazard risk: higher expected damage per building than 89% of U.S. towns. Most of that expected damage is river and rain flooding (79%). Flood insurance has paid 14 claims here since 1978.
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
What Cloverport 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
Tornadoes
Hail
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.
What’s behind Cloverport’s grade
River and rain flooding is 79% of the building damage FEMA expects in Cloverport, and Cloverport’s rate of river and rain flooding damage is in the top 7% of U.S. census tracts. Tornadoes add 7%, at a rate in the top 8% of U.S. census tracts.
D higher expected damage per building than 89% of U.S. towns (21,298).
All of Cloverport’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $920K a year in losses across Cloverport: $751K to buildings, the rest to people and crops.
Does Cloverport flood? Sometimes: 14 flood claims since 1978
Every paid claim on a federal flood insurance policy in Cloverport, from FEMA’s records: 25.7 per 1,000 homes, more than 87% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms5 claims · $29K
- The Heavy rains1 claim · $8K
Cloverport isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Breckinridge County.1 federal disaster brought FEMA money to Cloverport
Disasters that paid out in Cloverport itself (aid to households or repair grants to the City of Cloverport), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides8 households applied for aid$35K aid approved
Breckinridge County has had 21 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 Cloverport after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cloverport archive →Get ready for what Cloverport 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.
- 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.
- 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.
- 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 Cloverport
Is Cloverport at risk for natural disasters?
On FEMA’s National Risk Index, Cloverport has higher expected damage per building than 89% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (79%) and tornadoes (7%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Cloverport flood?
Flood insurance has paid 14 claims in Cloverport since 1978, $136K in all, or 25.7 per 1,000 homes, more than 87% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from Mid-spring storms (5).
Is Cloverport 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 Breckinridge County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Cloverport?
FEMA’s Community Rating System list shows no discount for Cloverport’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 Cloverport?
By FEMA money that reached Cloverport, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides (2025): 8 households applied for aid, $35K approved. By flood claims, Mid-spring storms: 5 paid, $29K.
Is Cloverport at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Cloverport’s rate for it is in the top 7% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cloverport.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cloverport’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.