FEMA expects about as much hazard damage per building in Graymoor-Devondale as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Graymoor-Devondale gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns, #70 of 142 in Kentucky. Most of that expected damage is river and rain flooding (84%). 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 Graymoor-Devondale 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
Earthquakes
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 Graymoor-Devondale’s grade
River and rain flooding is 84% of the building damage FEMA expects in Graymoor-Devondale, and Graymoor-Devondale’s rate of river and rain flooding damage is higher than 69% of U.S. census tracts. Next is tornadoes at 10% (higher than 79% of U.S. census tracts).
B− #70 of 142 in Kentucky; higher expected damage per building than 52% of U.S. towns (21,298).
Graymoor-Devondale’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, Graymoor-Devondale has less expected damage per building than 51% of Kentucky towns.
In dollars, FEMA expects about $1.0M a year in losses across Graymoor-Devondale: $725K to buildings, the rest to people and crops.
Does Graymoor-Devondale flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Graymoor-Devondale. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Graymoor-Devondale isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.The storms Graymoor-Devondale remembers
None of the 18 disasters declared for Jefferson County shows FEMA aid or repair money reaching Graymoor-Devondale itself in FEMA’s records, so these are its biggest flood-claim years.
Jefferson County has had 18 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.
Graymoor-Devondale and its neighbors
Graymoor-Devondale has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Graymoor-Devondale | B−more damage than 52% | river and rain flooding | 0 |
| Lyndon | Cmore damage than 66% | river and rain flooding | 24 |
| St. Matthews | Cmore damage than 67% | river and rain flooding | 91 |
| Windy Hills | Cmore damage than 70% | river and rain flooding | 23 |
| Crossgate | — | 189 residents; we grade 1,000+ | |
| Bancroft | — | 479 residents; we grade 1,000+ | |
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 Graymoor-Devondale 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Graymoor-Devondale
Is Graymoor-Devondale at risk for natural disasters?
On FEMA’s National Risk Index, Graymoor-Devondale has higher expected damage per building than 52% of U.S. towns: B− for hazard risk, #70 of 142 in Kentucky. Most of the expected damage is river and rain flooding (84%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Graymoor-Devondale 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 Jefferson County, 53% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Graymoor-Devondale?
FEMA’s Community Rating System list shows no discount for Graymoor-Devondale’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Graymoor-Devondale at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Graymoor-Devondale’s rate for it is higher than 69% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Graymoor-Devondale.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Graymoor-Devondale’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.