FEMA puts Lebanon Junction’s expected hazard damage per building above that of 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lebanon Junction gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (84%). Flood insurance has paid 66 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 stands out about Lebanon Junction’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Lebanon Junction 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 Lebanon Junction’s grade
River and rain flooding is 84% of the building damage FEMA expects in Lebanon Junction, and Lebanon Junction’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts. Tornadoes add 8%, at a rate in the top 10% of U.S. census tracts.
C− higher expected damage per building than 83% of U.S. towns (21,298).
All of Lebanon Junction’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.1M a year in losses across Lebanon Junction: $718K to buildings, the rest to people and crops.
Does Lebanon Junction flood? Sometimes: 66 flood claims since 1978
Every paid claim on a federal flood insurance policy in Lebanon Junction, from FEMA’s records: 67.0 per 1,000 homes, more than 94% of the 13,809 U.S. towns with a flood insurance record.
- The Central U.S. April Flooding7 claims · $516K
Lebanon Junction isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Bullitt County.6 federal disasters brought FEMA money to Lebanon Junction
Disasters that paid out in Lebanon Junction itself (aid to households or repair grants to the City of Lebanon Junction), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides63 households applied for aid$493K aid approved$95K to the City of Lebanon Junction for repairs8 flood claims paid that year
- 2018Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides$15K to the City of Lebanon Junction for repairs1 flood claim paid that year
- 2015Severe Winter Storm, Snowstorm, Flooding, Landslides, and Mudslides$10K to the City of Lebanon Junction for repairs
- 2010Severe Storms, Flooding, Mudslides, and Tornadoes6 households applied for aid$19K aid approved4 flood claims paid that year
- 2009Severe Winter Storm and Flooding$32K to the City of Lebanon Junction for repairs
- 2008Severe Wind Storm Associated with Tropical Depression Ike$5K to the City of Lebanon Junction for repairs
Bullitt County has had 21 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.
Old photos of Lebanon Junction after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lebanon Junction archive →Get ready for what Lebanon Junction 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 Lebanon Junction
Is Lebanon Junction at risk for natural disasters?
On FEMA’s National Risk Index, Lebanon Junction has higher expected damage per building than 83% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (84%) and tornadoes (8%). 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 Lebanon Junction flood?
Flood insurance has paid 66 claims in Lebanon Junction since 1978, $1.5M in all, or 67.0 per 1,000 homes, more than 94% of U.S. towns with a flood insurance record. 6 properties have flooded more than once. The most claims came from Central U.S. April Flooding (7).
Is Lebanon Junction 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 Bullitt County, 23% of homes in mapped flood zones carry federal flood insurance, and 1.8% of all homes do.
How much is flood insurance in Lebanon Junction?
FEMA’s Community Rating System list shows no discount for Lebanon Junction’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 Lebanon Junction?
By FEMA money that reached Lebanon Junction, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides (2025): 63 households applied for aid, $493K approved, and $95K to the City of Lebanon Junction for repairs. By flood claims, Central U.S. April Flooding: 7 paid, $516K.
Is Lebanon Junction at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Lebanon Junction’s rate for it is higher than 89% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lebanon Junction.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lebanon Junction’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.