Adair County, Kentucky: hazard risk
FEMA rates Adair County's overall risk Very Low (score 39.4 of 100, higher than 39% of rated U.S. counties). Its storm record holds 291 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Winter Weather | Relatively Moderate | 69.4 | $93K |
| Tornado | Relatively Moderate | 65.7 | $1.6M |
| Strong Wind | Relatively Moderate | 63.9 | $597K |
| Hail | Relatively Low | 70.5 | $415K |
| Earthquake | Relatively Low | 65.3 | $452K |
| Cold Wave | Relatively Low | 64.8 | $1.2M |
| Ice Storm | Relatively Low | 58.1 | $90K |
| Lightning | Relatively Low | 47.0 | $154K |
| Riverine Flooding | Relatively Low | 44.5 | $4.1M |
| Drought | Relatively Low | 38.1 | $41K |
| Landslide | Very Low | 48.8 | $929 |
| Hurricane | Very Low | 48.3 | $46K |
| Heat Wave | Very Low | 34.6 | $128K |
| Wildfire | Very Low | 15.9 | $4K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 161 | 0 | $662K | 76th of 118 | 740th of 3,080 |
| Hail | 47 | 0 | $2.0M | 78th of 118 | 1752nd of 3,080 |
| Floods | 32 | 1 | $159K | 116th of 118 | 1416th of 3,080 |
| Winter storms | 25 | 1 | – | 111th of 118 | 2126th of 3,077 |
| Tornadoes | 13 | 6 | $32M | 71st of 118 | 1701st of 3,080 |
| High wind and dust storms | 6 | 0 | $19K | 101st of 118 | 2349th of 3,080 |
| Extreme cold | 4 | 0 | – | 104th of 118 | 1781st of 3,076 |
| Heavy rain | 3 | 0 | – | 79th of 118 | 1349th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Adair County record: every hazard by year and month, the deadliest events and FEMA's declarations.