Georgetown, Kentucky: natural disaster risk
How exposed Georgetown is to floods, storms and other hazards, from FEMA and NOAA records for Scott County.
Georgetown is a city of 39,117 people in Scott County, Kentucky. FEMA's National Risk Index rates Scott County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, tornado and strong wind, with about $20.6 million in expected losses a year across the county. The weather service has logged 300 storm reports in the county since 1950, including 16 tornadoes and 66 floods. NOAA hurricane records show 0 hurricanes and 2 tropical storms passing within 65 miles of the county's center. About 0.6% of homes in the county carry federal flood insurance.
Risk figures are for Scott County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Georgetown
Full Scott 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.
- Secure outdoor furniture and trash bins before storms.
- Have trees near the house checked.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $9M | |
| Tornado | $4M | |
| Strong wind | $3M | |
| Earthquake | $1M | |
| Cold wave | $1M | |
| Lightning | $581K | |
| Heat wave | $408K | |
| Hail | $369K | |
| Ice storm | $169K | |
| Winter weather | $142K | |
| Hurricane | $27K | |
| Drought | $7K |
Homes in Georgetown
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 Scott County
Common questions about Georgetown
Is Georgetown safe from natural disasters?
Georgetown is in Scott County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, tornado, strong wind. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Georgetown?
By expected yearly losses in Scott County, the top hazards are inland flooding (Low), tornado (Moderate), strong wind (High). Scott County has been part of 13 federal disaster or emergency declarations for natural events.
Does Georgetown get tornadoes?
Yes. NOAA records list 16 tornadoes in Scott County since 1950; the strongest was an F4 tornado on April 3, 1974. FEMA rates tornado risk in the county moderate.
Do I need flood insurance in Georgetown?
Standard home insurance does not cover floods. In Scott County, about 0.6% 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.