Larue County, Kentucky: hazard risk
FEMA rates Larue County's overall risk Very Low (score 12.4 of 100, higher than 12% of rated U.S. counties). Its storm record holds 250 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 |
|---|---|---|---|
| Hail | Relatively Low | 61.3 | $471K |
| Strong Wind | Relatively Low | 45.0 | $567K |
| Ice Storm | Relatively Low | 41.5 | $68K |
| Winter Weather | Relatively Low | 40.4 | $55K |
| Tornado | Relatively Low | 36.3 | $868K |
| Lightning | Relatively Low | 33.9 | $152K |
| Cold Wave | Relatively Low | 30.3 | $513K |
| Earthquake | Very Low | 50.8 | $343K |
| Drought | Very Low | 29.6 | $28K |
| Hurricane | Very Low | 25.3 | $11K |
| Heat Wave | Very Low | 25.2 | $117K |
| Riverine Flooding | Very Low | 22.9 | $3.2M |
| Landslide | Very Low | 15.5 | $81 |
| Wildfire | Very Low | 7.0 | $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 | 123 | 0 | $1.3M | 57th of 118 | 477th of 3,080 |
| Hail | 39 | 0 | – | 64th of 118 | 1416th of 3,080 |
| Winter storms | 33 | 0 | – | 78th of 118 | 1225th of 3,077 |
| Floods | 31 | 0 | $735K | 96th of 118 | 860th of 3,080 |
| Tornadoes | 15 | 0 | $10M | 31st of 118 | 770th of 3,080 |
| Extreme cold | 4 | 0 | – | 89th of 118 | 1376th of 3,076 |
| High wind and dust storms | 3 | 0 | $19K | 100th of 118 | 2257th of 3,080 |
| Heavy rain | 2 | 1 | – | 68th of 118 | 1051st 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 Larue County record: every hazard by year and month, the deadliest events and FEMA's declarations.