On FEMA’s figures, Vine Grove faces more hazard damage per building than 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Vine Grove gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns, #92 of 142 in Kentucky. Most of that expected damage is river and rain flooding (79%). Flood insurance has paid 5 claims here since 2006.
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 Vine Grove 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
Hail
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 Vine Grove’s grade
River and rain flooding is 79% of the building damage FEMA expects in Vine Grove, and Vine Grove’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts. Ice storms add 2%, at a rate in the top 7% of U.S. census tracts.
C #92 of 142 in Kentucky; higher expected damage per building than 68% of U.S. towns (21,298).
Vine Grove’s residents live in 5 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, Vine Grove has more expected damage per building than 65% of Kentucky towns.
In dollars, FEMA expects about $2.3M a year in losses across Vine Grove: $1.5M to buildings, the rest to people and crops.
Does Vine Grove flood? Rarely: 5 flood claims since 2006
Every paid claim on a federal flood insurance policy in Vine Grove, from FEMA’s records: 1.6 per 1,000 homes, fewer than 67% of the 13,809 U.S. towns with a flood insurance record.
- The Central U.S. April Flooding2 claims · $23K
Vine Grove isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hardin County.5 federal disasters brought FEMA money to Vine Grove
Disasters that paid out in Vine Grove itself (aid to households or repair grants to the City of Vine Grove), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides66 households applied for aid$359K aid approved2 flood claims paid that year
- 2011Severe Storms, Tornadoes, and Flooding2 households applied for aid$948 aid approved
- 2010Severe Storms, Flooding, Mudslides, and Tornadoes2 households applied for aid$2K aid approved
- 2004Severe Storms, Tornadoes, Flooding, and Mudslides3 households applied for aid$9K aid approved
- 2003Severe Storms, Flooding, Mud and Rock Slides, and Tornadoes1 households applied for aid$220 aid approved
Hardin County has had 22 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 Vine Grove after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Vine Grove archive →Vine Grove and its neighbors
Vine Grove 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 |
|---|---|---|---|
| Radcliff | B+less damage than 72% | river and rain flooding | 15 |
| Vine Grove | Cmore damage than 68% | river and rain flooding | 5 |
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 Vine Grove 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.
- 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.
- 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 Vine Grove
Is Vine Grove at risk for natural disasters?
On FEMA’s National Risk Index, Vine Grove has higher expected damage per building than 68% of U.S. towns: C for hazard risk, #92 of 142 in Kentucky. Most of the expected damage is river and rain flooding (79%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Vine Grove flood?
Flood insurance has paid 5 claims in Vine Grove since 2006, $51K in all, or 1.6 per 1,000 homes, fewer than 67% of U.S. towns with a flood insurance record. The most claims came from Central U.S. April Flooding (2).
Is Vine Grove 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 Hardin County, 25% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Vine Grove?
FEMA’s Community Rating System list shows no discount for Vine Grove’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 Vine Grove?
By FEMA money that reached Vine Grove, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides (2025): 66 households applied for aid, $359K approved. By flood claims, Central U.S. April Flooding: 2 paid, $23K.
Is Vine Grove at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Vine Grove’s rate for it is higher than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Vine Grove.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Vine Grove’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.