Photo: Bedford at English Wikipedia · Public domainMore hazard damage per building is expected in Munfordville than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Munfordville gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns. Most of that expected damage is river and rain flooding (62%), then hail (14%). Flood insurance has paid 3 claims here since 1982.
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 Munfordville 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
Hail
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 Munfordville’s grade
River and rain flooding is 62% of the building damage FEMA expects in Munfordville, and Munfordville’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Hail adds 14%, at a rate in the top 4% of U.S. census tracts.
C higher expected damage per building than 67% of U.S. towns (21,298).
Munfordville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $714K a year in losses across Munfordville: $505K to buildings, the rest to people and crops.
Does Munfordville flood? Rarely: 3 flood claims since 1982
Every paid claim on a federal flood insurance policy in Munfordville, from FEMA’s records: 3.4 per 1,000 homes, more than 51% of the 13,809 U.S. towns with a flood insurance record.
Munfordville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hart County.7 federal disasters brought FEMA money to Munfordville
Disasters that paid out in Munfordville itself (aid to households or repair grants to the City of Munfordville), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides10 households applied for aid$33K aid approved$9K to the City of Munfordville for repairs
- 2025Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides$76K to the City of Munfordville for repairs
- 2023Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides$21K to the City of Munfordville for repairs
- 2021Severe Storms, Straight-line Winds, Flooding, and Tornadoes44 households applied for aid$162K aid approved$16K to the City of Munfordville for repairs
- 2010Severe Storms, Flooding, Mudslides, and Tornadoes21 households applied for aid$5K aid approved$37K to the City of Munfordville for repairs1 flood claim paid that year
- 2008Severe Storms, Tornadoes, Straight-line Winds, and2 households applied for aid$842 aid approved
Show all 7
- 2003Severe Storms, Flooding, Mud and Rock Slides, and Tornadoes4 households applied for aid$58 aid approved$2K to the City of Munfordville for repairs
Hart County has had 21 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.
Old photos of Munfordville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Munfordville archive →Get ready for what Munfordville 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Munfordville
Is Munfordville at risk for natural disasters?
On FEMA’s National Risk Index, Munfordville has higher expected damage per building than 67% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (62%) and hail (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Munfordville flood?
Flood insurance has paid 3 claims in Munfordville since 1982, $31K in all, or 3.4 per 1,000 homes, more than 51% of U.S. towns with a flood insurance record.
Is Munfordville 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 Hart County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Munfordville?
FEMA’s Community Rating System list shows no discount for Munfordville’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 Munfordville?
By FEMA money that reached Munfordville, Severe Storms, Straight-line Winds, Flooding, and Tornadoes (2021): 44 households applied for aid, $162K approved, and $16K to the City of Munfordville for repairs.
Is Munfordville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (62%), and Munfordville’s rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Munfordville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Munfordville’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.