Photo: FatCat96 · CC BY-SA 4.0More hazard damage per building is expected in Coal Run Village than in 96% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Coal Run Village gets a D− for hazard risk: higher expected damage per building than 96% of U.S. towns. Most of that expected damage is river and rain flooding (96%). Flood insurance has paid 84 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 Coal Run Village 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
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 Coal Run Village’s grade
River and rain flooding is 96% of the building damage FEMA expects in Coal Run Village, and Coal Run Village’s rate of river and rain flooding damage is in the top 1% of U.S. census tracts. Wildfire adds 2%, at a rate in the top 7% of U.S. census tracts.
D− higher expected damage per building than 96% of U.S. towns (21,298).
Coal Run Village’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.9M a year in losses across Coal Run Village: $1.7M to buildings, the rest to people and crops.
Does Coal Run Village flood? Sometimes: 84 flood claims since 1978
Every paid claim on a federal flood insurance policy in Coal Run Village, from FEMA’s records: 105.8 per 1,000 homes, more than 96% of the 13,809 U.S. towns with a flood insurance record.
- The February Kentucky Flooding22 claims · $2.3M
- The Late July Flooding1 claim · $12K
- The Storm1 claim · $12K
Coal Run Village isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pike County.The storms Coal Run Village remembers
None of the 39 disasters declared for Pike County shows FEMA aid or repair money reaching Coal Run Village itself in FEMA’s records, so these are its biggest flood-claim years.
- 198427 flood claims paidThe year of High Winds, Tornadoes and Flooding, declared for Pike County
- 202522 flood claims paidThe year of Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared for Pike County
- 201510 flood claims paidThe year of Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides, declared for Pike County
Pike County has had 39 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Pike County, 1999–2016.
Old photos of Coal Run Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Coal Run Village archive →Coal Run Village and its neighbors
Coal Run Village is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Pikeville | D−more damage than 96% | river and rain flooding | 112 |
| Coal Run Village | D−more damage than 96% | river and rain flooding | 84 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Coal Run Village 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.
- 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 Coal Run Village
Is Coal Run Village at risk for natural disasters?
On FEMA’s National Risk Index, Coal Run Village has higher expected damage per building than 96% of U.S. towns: D− for hazard risk. Most of the expected damage is river and rain flooding (96%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Coal Run Village flood?
Flood insurance has paid 84 claims in Coal Run Village since 1978, $3.6M in all, or 105.8 per 1,000 homes, more than 96% of U.S. towns with a flood insurance record. 9 properties have flooded more than once. The most claims came from February Kentucky Flooding (22).
Is Coal Run Village 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 Pike County, 21% of homes in mapped flood zones carry federal flood insurance, and 3.5% of all homes do.
How much is flood insurance in Coal Run Village?
FEMA’s Community Rating System list shows no discount for Coal Run Village’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 Coal Run Village?
By flood claims, February Kentucky Flooding: 22 paid, $2.3M.
Is Coal Run Village at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (96%), and Coal Run Village’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Coal Run Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coal Run Village’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.