Floyd County, Kentucky: hazard risk
FEMA rates Floyd County's overall risk Relatively Moderate (score 94.2 of 100, higher than 94% of rated U.S. counties); 1 of its 15 hazards are rated Relatively High or Very High, led by riverine flooding. Its storm record holds 744 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 |
|---|---|---|---|
| Riverine Flooding | Relatively High | 97.8 | $102M |
| Landslide | Relatively Moderate | 90.7 | $43K |
| Winter Weather | Relatively Moderate | 78.5 | $135K |
| Strong Wind | Relatively Moderate | 71.1 | $702K |
| Lightning | Relatively Moderate | 56.7 | $209K |
| Wildfire | Relatively Low | 86.3 | $563K |
| Hail | Relatively Low | 68.7 | $369K |
| Earthquake | Relatively Low | 64.2 | $409K |
| Heat Wave | Relatively Low | 58.2 | $376K |
| Cold Wave | Relatively Low | 44.8 | $545K |
| Tornado | Relatively Low | 35.6 | $488K |
| Ice Storm | Relatively Low | 29.4 | $22K |
| Avalanche | Very Low | 58.3 | $878 |
| Hurricane | Very Low | 50.8 | $54K |
| Drought | No Rating | 0.0 | $0 |
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 | 244 | 1 | $1.4M | 62nd of 118 | 576th of 3,080 |
| Floods | 198 | 0 | $30M | 20th of 118 | 115th of 3,080 |
| Winter storms | 150 | 2 | $100K | 40th of 118 | 556th of 3,077 |
| Hail | 90 | 0 | $18K | 48th of 118 | 1219th of 3,080 |
| Extreme cold | 15 | 1 | – | 44th of 118 | 685th of 3,076 |
| High wind and dust storms | 15 | 0 | $236K | 64th of 118 | 1298th of 3,080 |
| Heavy rain | 11 | 0 | $2K | 34th of 118 | 395th of 3,080 |
| Heat | 8 | 0 | – | 45th of 118 | 988th of 3,076 |
| Landslides and avalanches | 4 | 0 | $5K | 3rd of 118 | 89th of 2,278 |
| Drought | 3 | 0 | – | 49th of 118 | 2087th of 3,063 |
| Lightning | 3 | 0 | $65K | 28th of 118 | 897th of 3,080 |
| Tornadoes | 2 | 0 | $203K | 111th of 118 | 2622nd 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 Floyd County record: every hazard by year and month, the deadliest events and FEMA's declarations.