Less hazard damage per building is expected in Francisville than in 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Francisville gets an A− for hazard risk: lower expected damage per building than 84% of U.S. towns, #7 of 142 in Kentucky. Most of that expected damage is river and rain flooding (58%), then tornadoes (32%). FEMA’s files show no paid flood insurance claims here.
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 Francisville 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
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 Francisville’s grade
River and rain flooding is 58% of the building damage FEMA expects in Francisville, and Francisville’s rate of river and rain flooding damage is lower than 80% of U.S. census tracts. Tornadoes add 32%, at a rate in the top 4% of U.S. census tracts.
A− #7 of 142 in Kentucky; lower expected damage per building than 84% of U.S. towns (21,298).
Francisville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Kentucky town has higher expected damage than 52% of U.S. towns; within the state, Francisville has less expected damage per building than 96% of Kentucky towns.
In dollars, FEMA expects about $4.1M a year in losses across Francisville: $2.6M to buildings, the rest to people and crops.
Does Francisville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Francisville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Francisville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Boone County.The storms Francisville remembers
None of the 9 disasters declared for Boone County shows FEMA aid or repair money reaching Francisville itself in FEMA’s records, so these are its biggest flood-claim years.
Boone County has had 9 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.
Francisville and its neighbors
Francisville 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 |
|---|---|---|---|
| Hebron | A+less damage than 97% | river and rain flooding | — |
| Francisville | A−less damage than 84% | river and rain flooding | 0 |
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 Francisville 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.
- 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 Francisville
Is Francisville at risk for natural disasters?
On FEMA’s National Risk Index, Francisville has lower expected damage per building than 84% of U.S. towns: A− for hazard risk, #7 of 142 in Kentucky. Most of the expected damage is river and rain flooding (58%) and tornadoes (32%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Francisville 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 Boone County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Francisville?
FEMA’s Community Rating System list shows no discount for Francisville’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Francisville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (58%), and Francisville’s rate for it is lower than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Francisville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Francisville’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.