FEMA Records
24
Above median
Kentucky · FEMA + NOAA + National Risk Index
McLean County, KY
24 FEMA disaster declarations (1989-2026), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Storm.
- 24
- FEMA declarations
- 18
- Major disasters
- 41
- NRI risk · Very Low
- Severe Storm
- Top hazard
The verdict
McLean County has a nationally busy FEMA history: 24 declarations, more than 66% of counties in this registry. But the state comparison tempers that reading: the total is 15% below the Kentucky county mean. FEMA's separate National Risk Index places the county safer than 41%; that score models loss and vulnerability rather than counting declarations.
- Safer than 41%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 24
- FEMA declarations vs 21 national county avg
- 134
- 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.
FEMA OpenFEMA declaration desk
County FIPS 21149 · McLean County 24 declarations · rank 987/3,266
DECL-HEAVY · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-HEAVY 24
- MAJOR-MID 75%
- RANK-LOWER #987
- PHOTO-FINISH Eddy
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Severe Storm
- VS-ST-BELOW -15%
Nearest declaration peer: Eddy, ND (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Kentucky state profile
McLean County in the declaration-count neighbourhood
FEMA declaration records among McLean County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Deuel · near 24
Deuel · near
24 declarations
- Eddy · near 24
Eddy · near
24 declarations
- McLean · this county 24
McLean · this county
24 declarations
- Wichita · near 24
Wichita · near
24 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows McLean County carries 24 FEMA declaration records, ranked 987 of 3,266 counties in this registry.
How McLean County's FEMA declaration count compares nationally
McLean County vs. all counties in this dataset
FEMA disaster declarations, all-time · McLean County
24 Top 34% higher than 66% 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 · 2026-08-25
McLean County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for McLean County is led by Riverine Flooding (about $4.3M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Ice Storm carries the highest National Risk Index rating (Relatively High). 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 McLean County's hazard record show?
Reading the federal records together
The NFIP claims register shows a middle-volume loss record here: 134 paid claims, totaling $2.0M. PlainHazard uses 50-499 claims for this descriptive band; FEMA does not publish it as a safety or coverage category. The $14.8K average describes payments on recorded claims only, leaving uninsured damage and properties without a claim outside the measure.
Start with the state benchmark: a Kentucky county averages 28.1 federal declaration records, while McLean County has 24. The gap is 15% 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.
FEMA National Risk Index
FEMA's data shows an elevated National Risk Index composite of 40.7/100 for this county (Very Low rating). Expected Annual Loss comes in at Very Low (roughly $9.4M in annualized losses). Social vulnerability (Relatively High) and community resilience (Relatively Moderate) both factor into how that raw exposure plays out on the ground. Of the 18 hazards FEMA models, Ice Storm stands out as the sharpest exposure here, rated Relatively High. FEMA's modeled frequency puts that hazard at an average of 1.4 times per year here, based on 96 historical events on record.
65 /100
Historical Activity Index
High historical activity
McLean 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
17/30
24 OpenFEMA declarations, full ingest window (1.2x national county average)
County Disaster Density Moderate
11/25
24 declarations (0.9x state county average of 28)
Major Disaster Share Very High
19/25
18 of 24 declarations are major disasters (75%)
Hazard Diversity Very High
18/20
7 different disaster types declared in McLean County
FEMA NRI 8-hazard radar - McLean 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
41
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike McLean 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 |
|---|---|---|
| Ice Storm | Relatively High | an average of 1.4 times per year |
| Earthquake | Relatively Low | roughly once every 186 years |
| Strong Wind | Relatively Moderate | an average of 4.6 times per year |
| Drought | Relatively Moderate | 5.8 modeled event-days per year |
| Hail | Relatively Low | an average of 2.9 times per year |
| Winter Weather | Relatively Low | an average of 7.8 times per year |
| Riverine Flooding | Relatively Low | an average of 2.3 times per year |
| Heat Wave | Relatively Low | 8.3 modeled event-days per year |
| Tornado | Relatively Low | roughly once every 5 years |
| Hurricane | Very Low | roughly once every 174 years |
| Cold Wave | Very Low | roughly once every 1 years |
| Lightning | Very Low | an average of 53 times per year |
| Landslide | Very Low | roughly once every 5 years |
| Wildfire | Very Low | roughly once every 15,102 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 14
Biological 2
Flood 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 McLean County's record, 58% 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 - 18 75.0%
of all 24 declarations
Emergency - 6 25.0%
of all 24 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 1 | |
| 2025 | 4 | |
| 2024 | 1 | |
| 2023 | 1 | |
| 2020 | 2 | |
| 2018 | 1 | |
| 2011 | 1 | |
| 2010 | 1 | |
| 2009 | 3 | |
| 2008 | 1 | |
| 2005 | 2 | |
| 2004 | 1 | |
| 2003 | 1 | |
| 2002 | 1 | |
| 1997 | 1 | |
Show 2 earlier declaration years
| 1996 | 1 | |
| 1989 | 1 | |
Disaster Declarations
How the 24 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 24 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 |
| 4497 | COVID-19 PANDEMIC | DR | Biological | 2020-03-28 |
| 3469 | COVID-19 | EM | Biological | 2020-03-13 |
| 4361 | SEVERE STORMS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Flood | 2018-04-26 |
| 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 |
| 1757 | SEVERE STORMS, TORNADOES, FLOODING, MUDSLIDES, AND LANDSLIDES | DR | Severe Storm | 2008-05-19 |
| 3231 | HURRICANE KATRINA | EM | Hurricane | 2005-09-10 |
| 1578 | SEVERE WINTER STORM AND RECORD SNOW | DR | Snowstorm | 2005-02-08 |
| 1523 | SEVERE STORMS, TORNADOES, FLOODING, AND MUDSLIDES | DR | Severe Storm | 2004-06-10 |
| 1471 | SEVERE STORMS, FLOODING, MUD AND ROCK SLIDES, AND TORNADOES | DR | Severe Storm | 2003-06-03 |
Show 4 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 1414 | SEVERE STORMS, TORNADOES AND FLOODING | DR | Severe Storm | 2002-05-07 |
| 1163 | SEVERE STORM, FLOODING, AND TORNADOES | DR | Severe Storm | 1997-03-04 |
| 1089 | BLIZZARD OF 96 | DR | Snowstorm | 1996-01-13 |
| 821 | SEVERE STORMS & FLOODING | DR | Flood | 1989-02-24 |
Storm Events in Kentucky
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to McLean 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
134
Total Paid
$2.0M
Avg Per Claim
$14.8K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 40.7/100
Expected Annual Loss
Very Low
$9.4M/year
Social Vulnerability
Relatively High
Community Resilience
Relatively Moderate
Hazard Risk Breakdown
Ice Storm Relatively High
Earthquake Relatively Low
Strong Wind Relatively Moderate
Drought Relatively Moderate
Hail Relatively Low
Winter Weather Relatively Low
Riverine Flooding Relatively Low
Heat Wave Relatively Low
Tornado Relatively Low
Hurricane Very Low
Cold Wave Very Low
Lightning Very Low
Landslide Very 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: Ice Storm
Ice storms load power lines and tree limbs with accumulating freezing rain until they fail. The characteristic cost is infrastructure and multi-day power loss across a wide area rather than structural damage to buildings, which is why their consequences often outlast the weather that caused them.
Worth noting for McLean County: the model and the federal record do NOT point at the same hazard. Ice Storm carries the highest modeled rating (Relatively High), while the county's declaration history is led by Severe Storm. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
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
McLean County's closest FEMA peer: Windham County, VT
Comparisons use published FEMA declaration fields plus the National Risk Index composite for McLean County. Record similarity, not a safety rating.
Closest declaration profiles
McLean County shows 24 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
McLean County: 18 of 24 of its declarations are Major.
Similar modeled NRI score
McLean County: NRI composite 40.7 (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 McLean County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for McLean County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 40.7 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 24. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Understanding disaster data
McLean County's NFIP claims file (134 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.
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).
Frequently Asked Questions
What is the most common disaster type in McLean County?
The most common disaster type in McLean County is Severe Storm, with 14 declarations. Other disaster types include Biological (2), Flood (2), Severe Ice Storm (2).
How does McLean County's FEMA declaration record compare with the Kentucky average?
The typical Kentucky county has 28.1 FEMA declaration records; McLean County has 24, or 15% fewer. Against the national county mean of 20.7, this county's total is 16% higher. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has McLean County received?
McLean County has received 18 major disaster declarations, representing 75% of all 24 disaster declarations.
How many flood insurance claims has McLean County filed?
McLean County has 134 National Flood Insurance Program (NFIP) claims totaling $2.0M in payments, with an average of $14.8K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in McLean County?
No. In McLean County, Ice Storm has the highest National Risk Index rating (Relatively High), while Riverine Flooding leads Expected Annual Loss at about $4.3M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in McLean County?
The most active year for disaster declarations in McLean County was 2025, with 4 declarations. The county has FEMA disaster data spanning 1989 to 2026.
What is the FEMA National Risk Index score for McLean County?
According to the FEMA National Risk Index, McLean County, Kentucky has an overall risk score of 40.7 out of 100 (Very Low). The county's social vulnerability rating is Relatively High and community resilience is Relatively Moderate. The Expected Annual Loss (EAL) score is Very Low, representing $9.4M in annualized losses.
Which natural hazard poses the greatest risk to McLean County?
The top hazard flagged by FEMA's NRI for McLean County is Ice Storm (risk rating: Relatively High). Other significant hazards include Earthquake (Relatively Low) and Strong Wind (Relatively Moderate). FEMA's modeled event frequency puts ice storm here at an average of 1.4 times per year, drawn from 96 historical events on record. FEMA derives these ratings from historical event frequency, the assets exposed, and the community's vulnerability profile.
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.
FEMA OpenFEMA declarations + NRI for McLean County · vintage 2026-08-25 · Methodology · Kentucky profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events