Lincoln County, Kentucky: hazard risk
FEMA rates Lincoln County's overall risk Very Low (score 32.6 of 100, higher than 32% of rated U.S. counties). Its storm record holds 247 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 | 75.3 | $892K |
| Winter Weather | Relatively Moderate | 63.5 | $81K |
| Hail | Relatively Low | 70.4 | $444K |
| Cold Wave | Relatively Low | 58.0 | $1.0M |
| Ice Storm | Relatively Low | 55.8 | $87K |
| Lightning | Relatively Low | 49.4 | $181K |
| Riverine Flooding | Relatively Low | 44.2 | $4.4M |
| Tornado | Relatively Low | 39.6 | $671K |
| Earthquake | Very Low | 57.4 | $318K |
| Hurricane | Very Low | 42.5 | $29K |
| Landslide | Very Low | 35.9 | $381 |
| Heat Wave | Very Low | 35.7 | $147K |
| Drought | Very Low | 30.8 | $22K |
| Wildfire | Very Low | 24.3 | $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 | 134 | 0 | $2.1M | 78th of 118 | 756th of 3,080 |
| Floods | 33 | 1 | $2.5M | 106th of 118 | 1080th of 3,080 |
| Hail | 30 | 0 | $155K | 114th of 118 | 2227th of 3,080 |
| Winter storms | 27 | 0 | – | 100th of 118 | 1827th of 3,077 |
| Tornadoes | 12 | 0 | $3.8M | 54th of 118 | 1251st of 3,080 |
| Extreme cold | 5 | 0 | – | 90th of 118 | 1402nd of 3,076 |
| High wind and dust storms | 5 | 0 | $26K | 94th of 118 | 2056th of 3,080 |
| Heavy rain | 1 | 0 | – | 91st of 118 | 1650th 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 Lincoln County record: every hazard by year and month, the deadliest events and FEMA's declarations.