Kentucky: The Storm-Ready Checklist

Shelter & mitigation money

Kentucky runs Strengthen Kentucky Homes Program — check current eligibility and funding rounds directly on the program page before applying.

NAIC's June 2025 hurricane-deductible list does not name Kentucky; NAIC notes other states may still allow insurers to include one, and a separate wind/hail deductible can appear in any state's policy regardless (content.naic.org/insurance-topics/hurricane-deductibles).

Who to call, before and after

The hazards Kentucky actually faces

• Tornado

  Peak season: Dec–Mar

  Tornadoes form fast, and even a well-run warning system only buys minutes. The National Weather Service's after-action reports on the deadliest US tornadoes trace back to the same pattern: people heard a warning, stepped outside to look for the funnel, and lost the time a sheltered household would have had. A named safe room — the lowest floor, smallest interior room, most walls between you and outside — and a rehearsed trigger point close most of that gap.

• Extreme rainfall and flash flood

  Peak season: May–Jul

  Flash flooding is the deadliest hazard tied to rainfall, and most of those deaths are people driving into water they underestimated — six inches of moving water can stall a car, twelve can float one. Rainfall intensity, not just total inches, is what overwhelms storm drains and low-lying roads in a window of an hour or less.

• Riverine and coastal flooding

  Peak season: Feb–Apr

  Riverine and coastal flooding move on a slower clock than flash flooding — hours to days instead of minutes — which is exactly why households underprepare for it. Flood damage is excluded from standard homeowners' policies almost everywhere, so the financial exposure is separate from the physical one, and it is worth checking before, not after, the water rises.

Rules worth knowing

• Emergency prescription refills: Up to a 30-day supply (non-controlled) when the governor issues an executive order under KRS 39A.100 activating pharmacists' emergency authority under KRS 315.500, per KRS 217.215(3).

Frequently asked