FEMA Records
25
High volume
Kentucky · FEMA + NOAA + National Risk Index
Mercer County, KY
25 FEMA disaster declarations (1974-2026), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Storm.
- 25
- FEMA declarations
- 18
- Major disasters
- 41
- NRI risk · Very Low
- Severe Storm
- Top hazard
The verdict
Mercer County has a nationally busy FEMA history: 25 declarations, more than 71% of counties in this registry. But the state comparison tempers that reading: the total is 11% 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
- 25
- FEMA declarations vs 21 national county avg
- 187
- 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 21167 · Mercer County 25 declarations · rank 835/3,266
DECL-HEAVY · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-HEAVY 25
- MAJOR-MID 72%
- RANK-LOWER #835
- PHOTO-FINISH Jefferson
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Severe Storm
- VS-ST-BELOW -11%
Nearest declaration peer: Jefferson, AR (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Kentucky state profile
Mercer County among high-volume declaration counties
FEMA declaration records among Mercer County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Benton · near 25
Benton · near
25 declarations
- Jefferson · near 25
Jefferson · near
25 declarations
- Lafayette · near 25
Lafayette · near
25 declarations
- Mercer · this county 25
Mercer · this county
25 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Mercer County carries 25 FEMA declaration records, ranked 835 of 3,266 counties in this registry.
Where Mercer County ranks in the national declaration registry
Mercer County vs. high-volume counties in this registry
FEMA disaster declarations, all-time · Mercer County
25 Top 29% higher than 71% 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
Mercer County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Mercer County is led by Riverine Flooding (about $6.8M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Strong Wind 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 Mercer County's hazard record show?
Reading the federal records together
The NFIP claims register shows a middle-volume loss record here: 187 paid claims, totaling $4.9M. PlainHazard uses 50-499 claims for this descriptive band; FEMA does not publish it as a safety or coverage category. The $26.4K 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 Mercer County has 25. The gap is 11% 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 41.4/100 for this county (Very Low rating). Expected Annual Loss comes in at Very Low (roughly $12.1M in annualized losses). Social vulnerability (Relatively Moderate) and community resilience (Relatively High) both factor into how that raw exposure plays out on the ground. Among the 18 modeled hazards, Strong Wind carries the county's highest rating, a mid-range Relatively Moderate. FEMA's modeled frequency puts that hazard at an average of 7.3 times per year here, based on 278 historical events on record.
67 /100
Historical Activity Index
High historical activity
Mercer 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
18/30
25 OpenFEMA declarations, full ingest window (1.2x national county average)
County Disaster Density Moderate
11/25
25 declarations (0.9x state county average of 28)
Major Disaster Share High
18/25
18 of 25 declarations are major disasters (72%)
Hazard Diversity Very High
20/20
8 different disaster types declared in Mercer County
FEMA NRI 8-hazard radar - Mercer 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
72%
Major-heavy
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 Mercer 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 |
|---|---|---|
| Strong Wind | Relatively Moderate | an average of 7.3 times per year |
| Tornado | Relatively Moderate | roughly once every 6 years |
| Ice Storm | Relatively Moderate | roughly once every 1 years |
| Hail | Relatively Low | an average of 3.5 times per year |
| Earthquake | Very Low | roughly once every 467 years |
| Winter Weather | Relatively Low | an average of 10 times per year |
| Riverine Flooding | Relatively Low | roughly once every 1 years |
| Lightning | Relatively Low | an average of 52 times per year |
| Cold Wave | Relatively Low | an average of 1.1 times per year |
| Hurricane | Very Low | roughly once every 80 years |
| Landslide | Very Low | roughly once every 3 years |
| Drought | Very Low | 2.3 modeled event-days per year |
| Heat Wave | Very Low | 2.9 modeled event-days per year |
| Wildfire | Very Low | roughly once every 13,809 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 11
Severe Ice Storm 3
Snowstorm 3
Biological 2
Tornado 2
Flood 2
Winter Storm 1
Hurricane 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Mercer County's record, 44% 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 72.0%
of all 25 declarations
Emergency - 7 28.0%
of all 25 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 1 | |
| 2025 | 3 | |
| 2023 | 1 | |
| 2021 | 1 | |
| 2020 | 2 | |
| 2011 | 1 | |
| 2010 | 1 | |
| 2009 | 2 | |
| 2008 | 1 | |
| 2005 | 1 | |
| 2003 | 2 | |
| 1998 | 1 | |
| 1997 | 1 | |
| 1996 | 1 | |
| 1995 | 1 | |
Show 5 earlier declaration years
| 1994 | 1 | |
| 1993 | 1 | |
| 1989 | 1 | |
| 1979 | 1 | |
| 1974 | 1 | |
Disaster Declarations
How the 25 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 25 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 |
| 3624 | SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND LANDSLIDES | EM | Severe Storm | 2025-02-16 |
| 4702 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2023-04-10 |
| 4592 | SEVERE WINTER STORMS, LANDSLIDES, AND MUDSLIDES | DR | Severe Ice Storm | 2021-03-31 |
| 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 |
| 1746 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND | DR | Severe Storm | 2008-02-21 |
| 3231 | HURRICANE KATRINA | EM | Hurricane | 2005-09-10 |
| 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 |
| 1207 | SEVERE WINTER STORM | DR | Severe Storm | 1998-03-03 |
| 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 |
Show 5 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 1018 | SEVERE WEATHER, FREEZING RAIN, SLEET, SNW | DR | Snowstorm | 1994-03-16 |
| 3104 | SEVERE SNOWFALL & WINTER STORM | EM | Snowstorm | 1993-03-16 |
| 821 | SEVERE STORMS & FLOODING | DR | Flood | 1989-02-24 |
| 568 | SEVERE STORMS & FLOODING | DR | Flood | 1978-12-12 |
| 420 | TORNADOES | DR | Tornado | 1974-04-04 |
Storm Events in Kentucky
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Mercer 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
187
Total Paid
$4.9M
Avg Per Claim
$26.4K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 41.4/100
Expected Annual Loss
Very Low
$12.1M/year
Social Vulnerability
Relatively Moderate
Community Resilience
Relatively High
Hazard Risk Breakdown
Strong Wind Relatively Moderate
Tornado Relatively Moderate
Ice Storm Relatively Moderate
Hail Relatively Low
Earthquake Very Low
Winter Weather Relatively Low
Riverine Flooding Relatively Low
Lightning Relatively Low
Cold Wave Relatively Low
Hurricane Very Low
Landslide Very Low
Drought Very Low
Heat Wave 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: Strong Wind
Strong Wind covers damaging non-thunderstorm, non-tornadic wind, the kind produced by steep pressure gradients and downslope events. It is a broad, frequent, low-drama hazard: roofs, signage, power lines and high-profile vehicles, spread across a wide area rather than concentrated on a path.
For Mercer County the two measures on this page point the same way: Strong Wind 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
Mercer County's closest FEMA peer: King and Queen County, VA
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Mercer County. Record similarity, not a safety rating.
Closest declaration profiles
Mercer County shows 25 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Mercer County: 18 of 25 of its declarations are Major.
Similar modeled NRI score
Mercer County: NRI composite 41.4 (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 Mercer County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Mercer 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: 41.4 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 25. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Understanding disaster data
Mercer County's NFIP claims file (187 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 Mercer County?
The most common disaster type in Mercer County is Severe Storm, with 11 declarations. Other disaster types include Severe Ice Storm (3), Snowstorm (3), Biological (2).
How does Mercer County's FEMA declaration record compare with the Kentucky average?
The typical Kentucky county has 28.1 FEMA declaration records; Mercer County has 25, or 11% fewer. Against the national county mean of 20.7, this county's total is 21% higher. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Mercer County received?
Mercer County has received 18 major disaster declarations, representing 72% of all 25 disaster declarations.
How many flood insurance claims has Mercer County filed?
Mercer County has 187 National Flood Insurance Program (NFIP) claims totaling $4.9M in payments, with an average of $26.4K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Mercer County?
No. In Mercer County, Strong Wind has the highest National Risk Index rating (Relatively Moderate), while Riverine Flooding leads Expected Annual Loss at about $6.8M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Mercer County?
The most active year for disaster declarations in Mercer County was 2025, with 3 declarations. The county has FEMA disaster data spanning 1974 to 2026.
What is the FEMA National Risk Index score for Mercer County?
According to the FEMA National Risk Index, Mercer County, Kentucky has an overall risk score of 41.4 out of 100 (Very Low). On social vulnerability the county rates Relatively Moderate; on community resilience, Relatively High. The Expected Annual Loss (EAL) score is Very Low, representing $12.1M in annualized losses.
Which natural hazard poses the greatest risk to Mercer County?
Based on FEMA NRI data, the highest-risk natural hazard in Mercer County as of the latest release is Strong Wind (risk rating: Relatively Moderate). Other significant hazards include Tornado (Relatively Moderate) and Ice Storm (Relatively Moderate). FEMA's modeled event frequency puts strong wind here at an average of 7.3 times per year, drawn from 278 historical events on record. The underlying methodology weighs historical event frequency against 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.
FEMA OpenFEMA declarations + NRI for Mercer County · vintage 2026-08-25 · Methodology · Kentucky profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events