FEMA Records
28
High volume
Kentucky · FEMA + NOAA + National Risk Index
Breckinridge County, KY
28 FEMA disaster declarations (1974-2026), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Storm.
- 28
- FEMA declarations
- 21
- Major disasters
- 40
- NRI risk · Very Low
- Severe Storm
- Top hazard
The verdict
Breckinridge County has a nationally busy FEMA history: 28 declarations, more than 81% of counties in this registry. But the state comparison tempers that reading: the total is 0% below the Kentucky county mean. FEMA's separate National Risk Index places the county safer than 40%; that score models loss and vulnerability rather than counting declarations.
- Safer than 40%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 28
- FEMA declarations vs 21 national county avg
- 27
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
How does Breckinridge County compare?
Breckinridge County vs. all counties in this dataset
FEMA disaster declarations, all-time
28 Top 19% higher than 81% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-03
Breckinridge County's FEMA Risk Index score
FEMA National Risk Index composite score vs. the Kentucky county average
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Breckinridge County is led by Riverine Flooding (about $6.1M Expected Annual Loss, Historical Loss Ratio Relatively High), while Hail carries the highest National Risk Index rating (Relatively Moderate). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Breckinridge County's hazard record show?
FEMA National Risk Index
FEMA's data shows an elevated National Risk Index composite of 39.5/100 for this county (Very Low rating). Expected Annual Loss comes in at Very Low (roughly $11.7M in annualized losses). Social vulnerability (Relatively Moderate) and community resilience (Relatively Moderate) both factor into how that raw exposure plays out on the ground. Among the 18 modeled hazards, Hail carries the county's highest rating, a mid-range Relatively Moderate. FEMA's modeled frequency puts that hazard at an average of 3.4 times per year here, based on 131 historical events on record.
Declaration frequency
Nationally, Breckinridge County's 28 FEMA records form a high-volume history; within Kentucky, however, the count is 0% below the county mean. 21 entries carry the Major Disaster classification. The largest incident group is Severe Storm, appearing 15 times. The full 52-year record averages 0.5 declarations annually. A DR label alone does not say whether Individual Assistance, Public Assistance, or both followed.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 27 claims and $325.2K paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
Start with the state benchmark: a Kentucky county averages 28.1 federal declaration records, while Breckinridge County has 28. The gap is 0% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
69 /100
Historical Activity Index
High historical activity
Breckinridge County, KY · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) High
20/30
28 OpenFEMA declarations, full ingest window (1.4x national county average)
County Disaster Density Moderate
12/25
28 declarations (1.0x state county average of 28)
Major Disaster Share Very High
19/25
21 of 28 declarations are major disasters (75%)
Hazard Diversity Very High
18/20
7 different disaster types declared in Breckinridge County
Historical Declaration Activity
Activity Band
High
vs. Kentucky Avg
0%
State avg: 28.1
vs. National Avg
+35%
National avg: 20.7
Avg Per Year
0.5
Over 52 years
FEMA NRI 8-hazard radar - Breckinridge County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
75%
Mostly major
NRI risk score
40
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Breckinridge County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Hail | Relatively Moderate | an average of 3.4 times per year |
| Ice Storm | Relatively Moderate | an average of 1.1 times per year |
| Earthquake | Relatively Low | roughly once every 341 years |
| Strong Wind | Relatively Moderate | an average of 6.2 times per year |
| Tornado | Relatively Low | roughly once every 2 years |
| Landslide | Very Low | roughly once every 1 years |
| Riverine Flooding | Relatively Low | an average of 1.3 times per year |
| Heat Wave | Relatively Low | 5.9 modeled event-days per year |
| Winter Weather | Relatively Low | an average of 8.1 times per year |
| Cold Wave | Relatively Low | an average of 1.2 times per year |
| Drought | Relatively Low | 2 modeled event-days per year |
| Hurricane | Very Low | roughly once every 109 years |
| Lightning | Relatively Low | an average of 53 times per year |
| Wildfire | Very Low | roughly once every 18,907 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 15
Tornado 5
Biological 2
Severe Ice Storm 2
Snowstorm 2
Winter Storm 1
Hurricane 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Breckinridge County's record, 54% of its declarations. In FEMA's vocabulary this covers convective weather: thunderstorm straight-line winds, large hail, and the multi-day outbreaks that often carry embedded tornadoes. Activity is heaviest in spring and summer, though the season varies by region.
These events behave differently from a hurricane on paper. Damage tends to be distributed along a storm track rather than concentrated on a coastline, and a declaration typically follows an outbreak that crossed several counties over a few days, not a single point of impact. Because the qualifying threshold is the cost of uninsured public and individual losses rather than storm intensity, two similar storms can produce a declaration in one year and none in another.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 21 75.0%
of all 28 declarations
Emergency - 7 25.0%
of all 28 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 1 | |
| 2025 | 4 | |
| 2024 | 1 | |
| 2023 | 1 | |
| 2022 | 2 | |
| 2020 | 2 | |
| 2011 | 1 | |
| 2010 | 1 | |
| 2009 | 3 | |
| 2005 | 2 | |
| 2004 | 2 | |
| 2003 | 2 | |
| 2002 | 1 | |
| 2000 | 1 | |
| 1997 | 1 | |
Show 3 earlier declaration years
| 1996 | 1 | |
| 1995 | 1 | |
| 1974 | 1 | |
Disaster Declarations
How the 28 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 28 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 3633 | SEVERE WINTER STORM | EM | Winter Storm | 2026-01-24 |
| 4864 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2025-04-24 |
| 3626 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | EM | Severe Storm | 2025-04-03 |
| 4860 | SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2025-02-24 |
| 3624 | SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND LANDSLIDES | EM | Severe Storm | 2025-02-16 |
| 4804 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2024-07-23 |
| 4702 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2023-04-10 |
| 4630 | SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND TORNADOES | DR | Tornado | 2021-12-12 |
| 3575 | SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND TORNADOES | EM | Tornado | 2021-12-11 |
| 4497 | COVID-19 PANDEMIC | DR | Biological | 2020-03-28 |
| 3469 | COVID-19 | EM | Biological | 2020-03-13 |
| 1976 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2011-05-04 |
| 1912 | SEVERE STORMS, FLOODING, MUDSLIDES, AND TORNADOES | DR | Severe Storm | 2010-05-11 |
| 1818 | SEVERE WINTER STORM AND FLOODING | DR | Severe Ice Storm | 2009-02-05 |
| 3302 | SEVERE WINTER STORM | EM | Severe Ice Storm | 2009-01-28 |
| 1802 | SEVERE WIND STORM ASSOCIATED WITH TROPICAL DEPRESSION IKE | DR | Severe Storm | 2008-10-09 |
| 3231 | HURRICANE KATRINA | EM | Hurricane | 2005-09-10 |
| 1578 | SEVERE WINTER STORM AND RECORD SNOW | DR | Snowstorm | 2005-02-08 |
| 1537 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2004-08-06 |
| 1523 | SEVERE STORMS, TORNADOES, FLOODING, AND MUDSLIDES | DR | Severe Storm | 2004-06-10 |
Show 8 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 1471 | SEVERE STORMS, FLOODING, MUD AND ROCK SLIDES, AND TORNADOES | DR | Severe Storm | 2003-06-03 |
| 1454 | SEVERE WINTER ICE AND SNOW STORMS, HEAVY RAIN, FLOODING, TORNADOES, AND MUD AND | DR | Severe Storm | 2003-03-14 |
| 1414 | SEVERE STORMS, TORNADOES AND FLOODING | DR | Severe Storm | 2002-05-07 |
| 1310 | TORNADOES, SEVERE STORMS, TORRENTIAL RAINS, AND FLASH FLOODING | DR | Tornado | 2000-01-10 |
| 1163 | SEVERE STORM, FLOODING, AND TORNADOES | DR | Severe Storm | 1997-03-04 |
| 1089 | BLIZZARD OF 96 | DR | Snowstorm | 1996-01-13 |
| 1055 | TORNADOES, SEVERE WINDS, HAIL | DR | Tornado | 1995-06-13 |
| 420 | TORNADOES | DR | Tornado | 1974-04-04 |
Storm Events in Kentucky
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Breckinridge County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 6,702 | 9 | 56 | $55.2M |
| Flash Flood | 1,757 | 65 | 16 | $42.6M |
| Flood | 1,646 | 31 | 6 | $37.1M |
| Hail | 1,534 | 1 | 0 | $4.7M |
| Winter Weather | 1,079 | 14 | 54 | $655.0K |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
27
Total Paid
$325.2K
Avg Per Claim
$12.0K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 39.5/100
Expected Annual Loss
Very Low
$11.7M/year
Social Vulnerability
Relatively Moderate
Community Resilience
Relatively Moderate
Hazard Risk Breakdown
Hail Relatively Moderate
Ice Storm Relatively Moderate
Earthquake Relatively Low
Strong Wind Relatively Moderate
Tornado Relatively Low
Landslide Very Low
Riverine Flooding Relatively Low
Heat Wave Relatively Low
Winter Weather Relatively Low
Cold Wave Relatively Low
Drought Relatively Low
Hurricane Very Low
Lightning Relatively Low
Wildfire Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Hail
Hail is among the most expensive hazards in the model relative to how little it threatens life. It concentrates on roofs, vehicles and crops, and a single severe storm can generate an insurance loss across a metropolitan area without a single injury.
For Breckinridge County the two measures on this page point the same way: Hail is the county's highest-rated modeled hazard (Relatively Moderate), and Severe Storm declarations also lead its federal record. Where the model and the declaration history agree, the reading is comparatively straightforward, the hazard is both expected and repeatedly realised.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Breckinridge County's closest FEMA peer: Copiah County, MS
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Breckinridge County. Record similarity, not a safety rating.
Closest declaration profiles
Breckinridge County shows 28 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Breckinridge County: 21 of 28 of its declarations are Major.
Similar modeled NRI score
Breckinridge County: NRI composite 39.5 (Very Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Breckinridge County - capture-dated entries only.
Further reading for this county
Most disaster-prone counties
With 28 FEMA declarations, Breckinridge County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Related
Frequently Asked Questions
What is the most common disaster type in Breckinridge County?
The most common disaster type in Breckinridge County is Severe Storm, with 15 declarations. Other disaster types include Tornado (5), Biological (2), Severe Ice Storm (2).
How does Breckinridge County's FEMA declaration record compare with the Kentucky average?
The typical Kentucky county has 28.1 FEMA declaration records; Breckinridge County has 28, or 0% fewer. Against the national county mean of 20.7, this county's total is 35% higher. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Breckinridge County received?
Breckinridge County has received 21 major disaster declarations, representing 75% of all 28 disaster declarations.
How many flood insurance claims has Breckinridge County filed?
Breckinridge County has 27 National Flood Insurance Program (NFIP) claims totaling $325.2K in payments, with an average of $12.0K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Breckinridge County?
No. In Breckinridge County, Hail has the highest National Risk Index rating (Relatively Moderate), while Riverine Flooding leads Expected Annual Loss at about $6.1M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Breckinridge County?
The most active year for disaster declarations in Breckinridge County was 2025, with 4 declarations. The county has FEMA disaster data spanning 1974 to 2026.
What is the FEMA National Risk Index score for Breckinridge County?
According to the FEMA National Risk Index, Breckinridge County, Kentucky has an overall risk score of 39.5 out of 100 (Very Low). Social vulnerability here rates Relatively Moderate, while community resilience comes in at Relatively Moderate. The Expected Annual Loss (EAL) score is Very Low, representing $11.7M in annualized losses.
Which natural hazard poses the greatest risk to Breckinridge County?
The top hazard flagged by FEMA's NRI for Breckinridge County as of the latest release is Hail (risk rating: Relatively Moderate). Other significant hazards include Ice Storm (Relatively Moderate) and Earthquake (Relatively Low). FEMA's modeled event frequency puts hail here at an average of 3.4 times per year, drawn from 131 historical events on record. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
What this means for Breckinridge County
Against a Kentucky county mean of 28 declarations, Breckinridge County, KY records 28, or 0% fewer. PlainHazard classifies that historical total as high activity.
- Major Disaster is the largest group (21 of 28) in a declaration history that remains below its state benchmark; frequency here is not a forecast. Kentucky overview
- Nationally the county exceeds 81% of recorded county totals, but its own Kentucky benchmark is higher. The ranking keeps those two contexts separate. Most-disaster rankings
- A short NFIP claims file cannot establish low flood exposure; the data guide explains the limits of each federal measure. Disaster-data guide
A below-average federal record is not a safety guarantee. Use National Weather Service alerts and local emergency-management notices for present conditions, not this historical comparison.
PlainHazard derives this profile from FEMA's Disaster Declarations Summaries and National Risk Index data. The declaration comparison covers 3,266 U.S. counties and county equivalents in this database, refreshed as of 2026-08-03. Read our methodology - how this data is sourced, computed, and verified.
All federal data sources used on this page
- FEMA OpenFEMA, Disaster Declarations Summaries v2 - all federally-declared disasters for this county. fema.gov/openfema/disaster-declarations
- FEMA National Risk Index (NRI) - per-county per-hazard risk ratings and expected annual loss. hazards.fema.gov/nri
- NOAA NCEI Storm Events Database - state-level storm/severe-weather event records, 2015-2025. ncdc.noaa.gov/stormevents
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainHazard Editorial
Verify with FEMA → · Verify with FEMA NRI → · Verify with NOAA →
Every figure on PlainHazard is rendered directly from FEMA federal disaster data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or national statistics report, the data & editorial changelog, or report a data error.