Hardin County, Kentucky: hazard risk
FEMA rates Hardin County's overall risk Relatively Low (score 75.5 of 100, higher than 75% of rated U.S. counties); 3 of its 14 hazards are rated Relatively High or Very High, led by strong wind, ice storm, lightning. Its storm record holds 543 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 |
|---|---|---|---|
| Strong Wind | Relatively High | 95.4 | $3.3M |
| Ice Storm | Relatively High | 92.4 | $1.2M |
| Lightning | Relatively High | 86.3 | $1.0M |
| Hail | Relatively Moderate | 90.6 | $1.9M |
| Tornado | Relatively Moderate | 84.2 | $5.2M |
| Winter Weather | Relatively Moderate | 80.4 | $222K |
| Cold Wave | Relatively Moderate | 78.8 | $3.5M |
| Riverine Flooding | Relatively Moderate | 73.7 | $16M |
| Earthquake | Relatively Low | 84.6 | $2.8M |
| Heat Wave | Relatively Low | 72.0 | $1.0M |
| Hurricane | Very Low | 40.3 | $31K |
| Landslide | Very Low | 33.6 | $424 |
| Wildfire | Very Low | 32.8 | $18K |
| Drought | Very Low | 30.1 | $27K |
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 | 266 | 0 | $110M | 89th of 118 | 874th of 3,080 |
| Hail | 100 | 0 | – | 79th of 118 | 1753rd of 3,080 |
| Floods | 77 | 2 | $25M | 97th of 118 | 876th of 3,080 |
| Winter storms | 42 | 4 | $1.3M | 109th of 118 | 2019th of 3,077 |
| Tornadoes | 34 | 2 | $20M | 45th of 118 | 1029th of 3,080 |
| High wind and dust storms | 8 | 2 | $12K | 102nd of 118 | 2364th of 3,080 |
| Heavy rain | 7 | 0 | – | 64th of 118 | 898th of 3,080 |
| Extreme cold | 5 | 0 | – | 109th of 118 | 1965th of 3,076 |
| Lightning | 4 | 1 | $551K | 40th of 118 | 1036th 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 Hardin County record: every hazard by year and month, the deadliest events and FEMA's declarations.