Florence, Kentucky: natural disaster risk
How exposed Florence is to floods, storms and other hazards, from FEMA and NOAA records for Boone County.
Florence is a city of 32,803 people in Boone County, Kentucky. FEMA's National Risk Index rates Boone County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, tornado and cold wave, with about $49.5 million in expected losses a year across the county. The weather service has logged 383 storm reports in the county since 1955, including 18 tornadoes and 58 floods. NOAA hurricane records show 0 hurricanes and 1 tropical storm passing within 65 miles of the county's center. About 0.1% of homes in the county carry federal flood insurance.
Risk figures are for Boone County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Florence
Full Boone County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $17M | |
| Tornado | $12M | |
| Cold wave | $12M | |
| Strong wind | $4M | |
| Earthquake | $2M | |
| Lightning | $940K | |
| Heat wave | $671K | |
| Ice storm | $322K | |
| Hail | $321K | |
| Winter weather | $135K | |
| Wildfire | $15K | |
| Hurricane | $5K |
Homes in Florence
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Boone County
Common questions about Florence
Is Florence safe from natural disasters?
Florence is in Boone County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, tornado, cold wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Florence?
By expected yearly losses in Boone County, the top hazards are inland flooding (Low), tornado (High), cold wave (High). Boone County has been part of 11 federal disaster or emergency declarations for natural events.
Does Florence get tornadoes?
Yes. NOAA records list 18 tornadoes in Boone County since 1950; the strongest was an F5 tornado on April 3, 1974. FEMA rates tornado risk in the county high.
Do I need flood insurance in Florence?
Standard home insurance does not cover floods. In Boone County, about 0.1% of homes have federal flood insurance, and FEMA rates inland flooding risk low. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.