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–Not graded
Natural hazards in Livingston · FEMA

Storms, floods and disasters in Livingston

Livingston isn’t graded for hazard risk: Livingston has 187 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1984.

Flood claims
1
paid since 1984 · $2K
Disasters paid out here
5
of 27 declared for Rockcastle County
By hazard

What Livingston 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

90%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Tornadoes Hail Strong wind Earthquakes Wildfire Hurricanes Lightning top 4% Ice storms Winter storms Cold waves Heat waves Landslides top 4%
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 8% of Livingston’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Livingston flood? Rarely: 1 flood claim since 1984

Every paid claim on a federal flood insurance policy in Livingston, from FEMA’s records.

Paid flood claims, by year
1984: 1 claim1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims1984
19842026
1
paid claims since 1984
$2K
paid to owners
0
homes flooded more than once
$2K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Livingston isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Rockcastle County.
Disasters

5 federal disasters brought FEMA money to Livingston

Disasters that paid out in Livingston itself (aid to households or repair grants to the City of Livingston), newest first, with that year’s flood claims.

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, Landslides, and Mudslides$3K to the City of Livingston for repairs
  2. 2021Severe, Storms, Flooding, Landslides, and Mudslides21 households applied for aid$208K aid approved$67K to the City of Livingston for repairs
  3. 2019Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides$7K to the City of Livingston for repairs
  4. 2015Severe Winter Storms, Snowstorms, Flooding, Landslides, and Mudslides$2K to the City of Livingston for repairs
  5. 2010Severe Storms, Flooding, Mudslides, and Tornadoes20 households applied for aid$55K aid approved
Disasters declared, by decade
Paid out in LivingstonRockcastle County only

Rockcastle County has had 27 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.

Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Rockcastle County, 2000–2001.

Were you here?

Old photos of Livingston after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Livingston archive →
Be ready

Get ready for what Livingston faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Livingston

Does Livingston flood?

Flood insurance has paid 1 claim in Livingston since 1984, $2K in all.

Is Livingston 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 Rockcastle 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 Livingston?

FEMA’s Community Rating System list shows no discount for Livingston’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 Livingston?

By FEMA money that reached Livingston, Severe, Storms, Flooding, Landslides, and Mudslides (2021): 21 households applied for aid, $208K approved, and $67K to the City of Livingston for repairs.

Storm stories

Memories, warnings and help from neighbors in Livingston.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Livingston’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.