Harrison County, Kentucky: hazard risk
FEMA rates Harrison County's overall risk Very Low (score 33.8 of 100, higher than 33% of rated U.S. counties). Its storm record holds 285 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 Moderate | 72.9 | $929K |
| Tornado | Relatively Low | 63.3 | $1.8M |
| Lightning | Relatively Low | 53.6 | $235K |
| Ice Storm | Relatively Low | 50.7 | $77K |
| Riverine Flooding | Relatively Low | 48.9 | $5.6M |
| Winter Weather | Relatively Low | 43.6 | $46K |
| Cold Wave | Relatively Low | 26.4 | $309K |
| Earthquake | Very Low | 56.1 | $334K |
| Landslide | Very Low | 47.1 | $1K |
| Hurricane | Very Low | 33.0 | $16K |
| Heat Wave | Very Low | 31.8 | $133K |
| Drought | Very Low | 24.4 | $10K |
| Hail | Very Low | 21.5 | $68K |
| Wildfire | Very Low | 9.8 | $3K |
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 | 118 | 0 | $1.2M | 93rd of 118 | 941st of 3,080 |
| Winter storms | 56 | 2 | $537K | 67th of 118 | 990th of 3,077 |
| Floods | 54 | 0 | $10M | 73rd of 118 | 505th of 3,080 |
| Hail | 21 | 0 | – | 116th of 118 | 2511th of 3,080 |
| High wind and dust storms | 13 | 0 | $415K | 57th of 118 | 1202nd of 3,080 |
| Tornadoes | 9 | 0 | $1.6M | 66th of 118 | 1599th of 3,080 |
| Extreme cold | 8 | 0 | $699K | 66th of 118 | 932nd of 3,076 |
| Heat | 4 | 0 | – | 56th of 118 | 1262nd of 3,076 |
| Lightning | 2 | 0 | $1.2M | 39th of 118 | 1022nd 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 Harrison County record: every hazard by year and month, the deadliest events and FEMA's declarations.