FEMA Records
31
High volume
Kentucky · FEMA + NOAA + National Risk Index
Metcalfe County, KY
31 FEMA disaster declarations (1975-2026), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Storm.
- 31
- FEMA declarations
- 24
- Major disasters
- 22
- NRI risk · Very Low
- Severe Storm
- Top hazard
The verdict
Two federal records point in the busier direction for Metcalfe County. Its 31 FEMA declarations are 10% above the Kentucky county mean and exceed the count for 88% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it safer than 22%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Safer than 22%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 31
- FEMA declarations vs 21 national county avg
- 7
- 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 21169 · Metcalfe County 31 declarations · rank 383/3,266
DECL-HEAVY · MAJOR-MID · RANK-MID · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-ABOVE
- DECL-HEAVY 31
- MAJOR-MID 77%
- RANK-MID #383
- PHOTO-FINISH Galveston
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Severe Storm
- VS-ST-ABOVE +10%
Nearest declaration peer: Galveston, TX (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Kentucky state profile
Metcalfe County among high-volume declaration counties
FEMA declaration records among Metcalfe County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Galveston · near 31
Galveston · near
31 declarations
- Metcalfe · this county 31
Metcalfe · this county
31 declarations
- Orange · near 31
Orange · near
31 declarations
- Woodward · near 31
Woodward · near
31 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Metcalfe County carries 31 FEMA declaration records, ranked 383 of 3,266 counties in this registry.
Where Metcalfe County ranks in the national declaration registry
Metcalfe County vs. high-volume counties in this registry
FEMA disaster declarations, all-time · Metcalfe County
31 Top 12% higher than 88% 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
Metcalfe County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Metcalfe County is led by Riverine Flooding (about $2.3M Expected Annual Loss, Historical Loss Ratio Relatively High), while Hail carries the highest National Risk Index rating (Relatively Low). 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 Metcalfe County's hazard record show?
FEMA National Risk Index
This county's FEMA National Risk Index composite lands at 21.8/100 (Very Low), a modest reading against the rest of the country. Expected Annual Loss is rated Very Low (roughly $4.6M in annualized losses), tempered or compounded by a Very High social-vulnerability score and Relatively Low community-resilience score. Even the county's top-rated hazard, Hail, only reaches Relatively Low on FEMA's scale, none of the 18 modeled hazards stand out here. FEMA's modeled frequency puts that hazard at an average of 2.9 times per year here, based on 111 historical events on record.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 7 claims and $17.4K 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.
The declaration register points in the busier direction. Metcalfe County's 31 federal records stand 10% above the Kentucky county mean of 28.1. That comparison describes how often federal action was recorded, including any Major Disaster, Emergency, and Fire Management entries shown on this page; it does not convert the count into future probability.
73 /100
Historical Activity Index
High historical activity
Metcalfe 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
22/30
31 OpenFEMA declarations, full ingest window (1.5x national county average)
County Disaster Density High
14/25
31 declarations (1.1x state county average of 28)
Major Disaster Share Very High
19/25
24 of 31 declarations are major disasters (77%)
Hazard Diversity Very High
18/20
7 different disaster types declared in Metcalfe County
FEMA NRI 8-hazard radar - Metcalfe 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
77%
Mostly major
NRI risk score
22
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Metcalfe 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 Low | an average of 2.9 times per year |
| Winter Weather | Relatively Low | an average of 7 times per year |
| Earthquake | Very Low | roughly once every 403 years |
| Landslide | Very Low | roughly once every 2 years |
| Ice Storm | Relatively Low | roughly once every 2 years |
| Tornado | Relatively Low | roughly once every 5 years |
| Cold Wave | Relatively Low | roughly once every 1 years |
| Strong Wind | Relatively Low | an average of 5.7 times per year |
| Drought | Relatively Low | 3.9 modeled event-days per year |
| Lightning | Relatively Low | an average of 55 times per year |
| Riverine Flooding | Very Low | roughly once every 2 years |
| Heat Wave | Very Low | 3.7 modeled event-days per year |
| Hurricane | Very Low | roughly once every 58 years |
| Wildfire | Very Low | roughly once every 5,295 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
Flood 5
Snowstorm 4
Winter Storm 2
Biological 2
Severe Ice Storm 2
Hurricane 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Metcalfe County's record, 48% 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 - 24 77.4%
of all 31 declarations
Emergency - 7 22.6%
of all 31 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 2 | |
| 2025 | 5 | |
| 2024 | 1 | |
| 2023 | 1 | |
| 2020 | 3 | |
| 2019 | 1 | |
| 2018 | 2 | |
| 2016 | 1 | |
| 2015 | 3 | |
| 2010 | 1 | |
| 2009 | 2 | |
| 2008 | 1 | |
| 2005 | 1 | |
| 2004 | 1 | |
| 1998 | 1 | |
Show 5 earlier declaration years
| 1997 | 1 | |
| 1996 | 1 | |
| 1994 | 1 | |
| 1993 | 1 | |
| 1975 | 1 | |
Disaster Declarations
How the 31 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 31 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4913 | SEVERE WINTER STORM | DR | Winter Storm | 2026-05-29 |
| 3633 | SEVERE WINTER STORM | EM | Winter Storm | 2026-01-24 |
| 4875 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES | DR | Severe Storm | 2025-05-23 |
| 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 |
| 4540 | SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2020-04-24 |
| 4497 | COVID-19 PANDEMIC | DR | Biological | 2020-03-28 |
| 3469 | COVID-19 | EM | Biological | 2020-03-13 |
| 4428 | SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2019-04-17 |
| 4361 | SEVERE STORMS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Flood | 2018-04-26 |
| 4358 | SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Flood | 2018-04-12 |
| 4278 | SEVERE STORM, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2016-08-26 |
| 4218 | SEVERE WINTER STORM, SNOWSTORM, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Flood | 2015-05-12 |
| 4217 | SEVERE STORMS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Flood | 2015-05-01 |
| 4216 | SEVERE WINTER STORMS, SNOWSTORMS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Snowstorm | 2015-04-30 |
| 1912 | SEVERE STORMS, FLOODING, MUDSLIDES, AND TORNADOES | DR | Severe Storm | 2010-05-11 |
Show 11 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 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 |
| 1537 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2004-08-06 |
| 1216 | SEVERE STORMS, TORNADOES,AND FLOODING | DR | Severe Storm | 1998-04-29 |
| 1163 | SEVERE STORM, FLOODING, AND TORNADOES | DR | Severe Storm | 1997-03-04 |
| 1089 | BLIZZARD OF 96 | DR | Snowstorm | 1996-01-13 |
| 1018 | SEVERE WEATHER, FREEZING RAIN, SLEET, SNW | DR | Snowstorm | 1994-03-16 |
| 3104 | SEVERE SNOWFALL & WINTER STORM | EM | Snowstorm | 1993-03-16 |
| 461 | SEVERE STORMS & FLOODING | DR | Flood | 1975-03-29 |
Storm Events in Kentucky
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Metcalfe 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
7
Total Paid
$17.4K
Avg Per Claim
$2.5K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 21.8/100
Expected Annual Loss
Very Low
$4.6M/year
Social Vulnerability
Very High
Community Resilience
Relatively Low
Hazard Risk Breakdown
Hail Relatively Low
Winter Weather Relatively Low
Earthquake Very Low
Landslide Very Low
Ice Storm Relatively Low
Tornado Relatively Low
Cold Wave Relatively Low
Strong Wind Relatively Low
Drought Relatively Low
Lightning Relatively Low
Riverine Flooding Very Low
Heat Wave Very Low
Hurricane 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: 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 Metcalfe County the two measures on this page point the same way: Hail is the county's highest-rated modeled hazard (Relatively Low), 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
Metcalfe County's closest FEMA peer: Jefferson County, TX
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Metcalfe County. Record similarity, not a safety rating.
Closest declaration profiles
Metcalfe County shows 31 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Metcalfe County: 24 of 31 of its declarations are Major.
Similar modeled NRI score
Metcalfe County: NRI composite 21.8 (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 Metcalfe County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Metcalfe 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: 21.8 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 31. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 31 FEMA declarations, Metcalfe 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).
Frequently Asked Questions
What is the most common disaster type in Metcalfe County?
The most common disaster type in Metcalfe County is Severe Storm, with 15 declarations. Other disaster types include Flood (5), Snowstorm (4), Winter Storm (2).
How does Metcalfe County's FEMA declaration record compare with the Kentucky average?
FEMA lists 31 declaration records for Metcalfe County. That is 10% above the Kentucky county mean of 28.1. Its count is also 50% above the national county mean of 20.7. A larger declaration history records more federal actions; it is not a forecast of the county's next hazard.
How many major FEMA disaster declarations has Metcalfe County received?
Metcalfe County has received 24 major disaster declarations, representing 77% of all 31 disaster declarations.
How many flood insurance claims has Metcalfe County filed?
Metcalfe County has 7 National Flood Insurance Program (NFIP) claims totaling $17.4K in payments, with an average of $2.5K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Metcalfe County?
No. In Metcalfe County, Hail has the highest National Risk Index rating (Relatively Low), while Riverine Flooding leads Expected Annual Loss at about $2.3M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Metcalfe County?
The most active year for disaster declarations in Metcalfe County was 2025, with 5 declarations. The county has FEMA disaster data spanning 1975 to 2026.
What is the FEMA National Risk Index score for Metcalfe County?
According to the FEMA National Risk Index, Metcalfe County, Kentucky has an overall risk score of 21.8 out of 100 (Very Low). Social vulnerability here rates Very High, while community resilience comes in at Relatively Low. The Expected Annual Loss (EAL) score is Very Low, representing $4.6M in annualized losses.
Which natural hazard poses the greatest risk to Metcalfe County?
Based on FEMA NRI data, the highest-risk natural hazard in Metcalfe County as of the latest release is Hail (risk rating: Relatively Low). Other significant hazards include Winter Weather (Relatively Low) and Earthquake (Very Low). FEMA's modeled event frequency puts hail here at an average of 2.9 times per year, drawn from 111 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 Metcalfe County · vintage 2026-08-25 · Methodology · Kentucky profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events