RelocateMath
Natural disaster risk FEMA county data

Kentucky natural disaster risk

Kentucky ranks #11 of 51 from the lowest population-weighted county-score mean in our state comparison. Its highest hazard-score means are strong wind, earthquake, tornado.

By Page updated Data: FEMA National Risk Index v1.20 (methodology)

County-score mean
68
High county-score mean
Expected loss per resident
$525
per year, all hazards
Home insurance (median)
$1,401
per year with a mortgage, ACS 2024

RelocateMath computes these state means by weighting FEMA county scores by population. A mean of county percentiles is not a national state percentile or an official FEMA state rating.

Highest county hazard-score means in Kentucky
County-score mean above 50
Strong wind78
Earthquake75
Tornado75
Winter weather71
Riverine flooding71
Ice storm69

The vertical line marks county-score scale midpoint (50).

Find your county's risk in Kentucky

All 120 county rows with a FEMA score are available below, initially ordered by population.

FEMA v1.20 county risk scores in Kentucky; population from Census ACS 2020–2024
CountyPopulationRisk scoreFEMA rating
Jefferson County783,02298.3Relatively High
Fayette County323,72592.0Relatively Moderate
Kenton County171,28877.4Relatively Low
Warren County140,91888.5Relatively Moderate
Boone County139,84174.5Relatively Low
Hardin County111,94275.5Relatively Low
Daviess County103,64888.1Relatively Moderate
Madison County95,76974.8Relatively Low
Campbell County93,42658.3Relatively Low
Bullitt County84,02771.8Relatively Low
Christian County72,06979.6Relatively Low
Oldham County69,25756.0Relatively Low
McCracken County67,56489.7Relatively Moderate
Pulaski County65,89779.1Relatively Low
Laurel County62,98371.7Relatively Low
Scott County59,53656.1Relatively Low
Pike County56,72787.9Relatively Moderate
Jessamine County54,58839.8Very Low
Franklin County51,84264.5Relatively Low
Shelby County49,09661.9Relatively Low
Boyd County47,91174.9Relatively Low
Nelson County47,60655.2Relatively Low
Hopkins County45,11972.6Relatively Low
Barren County44,93867.9Relatively Low
Henderson County44,28073.2Relatively Low
Calloway County38,22475.3Relatively Low
Clark County37,19238.3Very Low
Whitley County36,92062.2Relatively Low
Graves County36,63084.0Relatively Moderate
Greenup County35,50152.6Relatively Low
Floyd County35,22494.2Relatively Moderate
Marshall County31,74361.9Relatively Low
Boyle County30,94141.6Very Low
Muhlenberg County30,59153.2Relatively Low
Meade County30,15840.9Very Low
Knox County29,86574.7Relatively Low
Montgomery County28,39534.3Very Low
Logan County27,98654.6Relatively Low
Perry County27,49973.2Relatively Low
Woodford County27,27940.0Very Low
Grayson County26,70745.3Relatively Low
Taylor County26,39738.7Very Low
Carter County26,34152.7Relatively Low
Harlan County25,77265.7Relatively Low
Grant County25,41816.3Very Low
Rowan County24,57847.9Relatively Low
Lincoln County24,50432.6Very Low
Anderson County24,35326.3Very Low
Ohio County23,73554.2Relatively Low
Bell County23,50968.0Relatively Low
Mercer County23,02841.4Very Low
Johnson County22,33471.1Relatively Low
Allen County21,29333.3Very Low
Breckinridge County20,88139.5Very Low
Letcher County20,80866.6Relatively Low
Bourbon County20,24039.4Very Low
Spencer County20,19313.3Very Low
Simpson County19,97227.0Very Low
Clay County19,92167.1Relatively Low
Marion County19,74930.2Very Low
Hart County19,60341.1Very Low
Wayne County19,60254.7Relatively Low
Harrison County19,14033.8Very Low
Adair County19,08939.4Very Low
Russell County18,22131.9Very Low
Garrard County17,56830.2Very Low
Mason County16,95639.2Very Low
McCreary County16,86725.3Very Low
Rockcastle County16,16336.1Very Low
Lawrence County16,07753.3Relatively Low
Casey County15,91437.1Very Low
Henry County15,85615.7Very Low
Fleming County15,32331.0Very Low
Larue County15,10712.4Very Low
Pendleton County14,72329.9Very Low
Trigg County14,31548.4Relatively Low
Morgan County14,05322.1Very Low
Estill County14,03541.8Very Low
Knott County13,83052.1Relatively Low
Breathitt County13,27664.7Relatively Low
Union County13,26042.8Very Low
Jackson County13,08624.2Very Low
Powell County13,03831.2Very Low
Lewis County12,96541.5Very Low
Bath County12,85113.7Very Low
Webster County12,84229.2Very Low
Caldwell County12,61839.0Very Low
Todd County12,46928.6Very Low
Butler County12,39318.1Very Low
Edmonson County12,35511.0Very Low
Washington County12,14016.7Very Low
Green County11,36914.0Very Low
Magoffin County11,34835.0Very Low
Owen County11,33015.2Very Low
Monroe County11,26926.7Very Low
Martin County11,02749.9Relatively Low
Carroll County10,95423.4Very Low
Metcalfe County10,42521.8Very Low
Leslie County10,07931.7Very Low
Clinton County9,20224.5Very Low
McLean County9,11440.7Very Low
Hancock County9,03428.8Very Low
Crittenden County8,97930.4Very Low
Livingston County8,90327.1Very Low
Lyon County8,90028.9Very Low
Gallatin County8,76917.3Very Low
Trimble County8,55011.9Very Low
Bracken County8,44412.0Very Low
Nicholas County7,70819.0Very Low
Ballard County7,65439.6Very Low
Lee County7,3397.5Very Low
Elliott County7,30712.2Very Low
Wolfe County6,44318.5Very Low
Fulton County6,40946.8Relatively Low
Menifee County6,2306.2Very Low
Cumberland County5,94830.1Very Low
Carlisle County4,76218.7Very Low
Hickman County4,43935.8Very Low
Owsley County3,9716.4Very Low
Robertson County2,2831.7Very Low

The county rows show FEMA's own county percentile scores and rating categories; the state figures above are our weighted means. County data cannot establish a property's safety. Expected loss is modeled annual loss per resident, not a premium quote. The insurance figure is what owners with a mortgage reported paying in 2024 (Census American Community Survey), not a current quote. For a specific home, check the address on FEMA's flood map and get insurance quotes before you commit. Our guide explains how to check natural disaster risk before you move.

Lowest FEMA county risk scores in Kentucky

Cities in Kentucky

Frequently asked questions

Is Kentucky safe from natural disasters?

Kentucky's population-weighted county-score mean is 68 out of 100 (high county-score mean), #11 of 51 from the lowest mean in our state comparison. A state average cannot show whether an individual home is safe. About 17% of residents live in counties FEMA rates relatively high or very high.

What natural disasters happen in Kentucky?

The highest population-weighted county hazard-score means in Kentucky are strong wind, earthquake, tornado (means 78, 75, 75 on the 0–100 county-score scale). These are not national state percentiles.

Which counties have the lowest modeled risk scores in Kentucky?

Among counties with at least 20,000 people, the lowest FEMA county risk scores are in Spencer County, Grant County, Anderson County. Conditions vary within each county; check an individual address separately.