Clay County, Kentucky: hazard risk
FEMA rates Clay County's overall risk Relatively Low (score 67.1 of 100, higher than 67% of rated U.S. counties). Its storm record holds 439 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 |
|---|---|---|---|
| Landslide | Relatively Moderate | 93.3 | $57K |
| Riverine Flooding | Relatively Moderate | 81.0 | $12M |
| Winter Weather | Relatively Moderate | 70.2 | $79K |
| Cold Wave | Relatively Moderate | 69.5 | $1.3M |
| Strong Wind | Relatively Moderate | 56.3 | $394K |
| Wildfire | Relatively Low | 85.1 | $423K |
| Hail | Relatively Low | 52.3 | $173K |
| Heat Wave | Relatively Low | 47.5 | $200K |
| Tornado | Relatively Low | 41.3 | $547K |
| Lightning | Relatively Low | 36.7 | $86K |
| Avalanche | Very Low | 49.7 | $321 |
| Earthquake | Very Low | 41.8 | $102K |
| Hurricane | Very Low | 36.5 | $14K |
| Drought | Very Low | 29.7 | $14K |
| Ice Storm | Very Low | 17.4 | $8K |
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 | 204 | 0 | $1.1M | 84th of 118 | 854th of 3,080 |
| Floods | 67 | 3 | $4.2M | 85th of 118 | 650th of 3,080 |
| Winter storms | 67 | 1 | $25K | 82nd of 118 | 1313th of 3,077 |
| Hail | 52 | 0 | $3K | 96th of 118 | 1943rd of 3,080 |
| Extreme cold | 12 | 0 | – | 67th of 118 | 946th of 3,076 |
| High wind and dust storms | 8 | 0 | $92K | 92nd of 118 | 1948th of 3,080 |
| Tornadoes | 7 | 0 | $16M | 90th of 118 | 2229th of 3,080 |
| Heat | 6 | 0 | – | 57th of 118 | 1272nd of 3,076 |
| Heavy rain | 6 | 0 | $17K | 57th of 118 | 831st of 3,080 |
| Drought | 4 | 0 | – | 44th of 118 | 2062nd of 3,063 |
| Landslides and avalanches | 4 | 0 | – | 6th of 118 | 122nd of 2,278 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Clay County record: every hazard by year and month, the deadliest events and FEMA's declarations.