STATE RISK ROLL-UP

Kentucky

Across 120 counties, FEMA rates 1 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.

How the counties rate

Low112

Moderate7

Elevated1

High0

Dominant hazards

The hazards most often rated elevated or higher across Kentucky's counties:

Winter weather — 7 counties
Tornado — 6 counties
Flooding — 3 counties
Extreme heat — 2 counties

Highest-risk counties

County	FEMA composite	Score
Jefferson County	Relatively High	98
Floyd County	Relatively Moderate	94
Fayette County	Relatively Moderate	92
McCracken County	Relatively Moderate	90
Daviess County	Relatively Moderate	88
Pike County	Relatively Moderate	88

State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.

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FEMA National Risk Index · as of 2026-07-08