McCracken County, Kentucky: hazard risk
FEMA rates McCracken County's overall risk Relatively Moderate (score 89.7 of 100, higher than 89% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by ice storm, winter weather. Its storm record holds 1,031 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 |
|---|---|---|---|
| Ice Storm | Relatively High | 93.2 | $1.3M |
| Winter Weather | Relatively High | 89.1 | $367K |
| Earthquake | Relatively Moderate | 97.6 | $38M |
| Heat Wave | Relatively Moderate | 95.2 | $6.1M |
| Tornado | Relatively Moderate | 85.7 | $5.3M |
| Cold Wave | Relatively Moderate | 85.7 | $5.0M |
| Strong Wind | Relatively Moderate | 82.8 | $1.4M |
| Hail | Relatively Moderate | 81.7 | $942K |
| Riverine Flooding | Relatively Moderate | 80.4 | $19M |
| Lightning | Relatively Moderate | 78.5 | $649K |
| Drought | Relatively Moderate | 70.3 | $507K |
| Landslide | Very Low | 53.1 | $2K |
| Hurricane | Very Low | 44.3 | $41K |
| Wildfire | Very Low | 35.6 | $19K |
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 | 219 | 0 | $5.5M | 3rd of 118 | 30th of 3,080 |
| Floods | 164 | 2 | $20M | 1st of 118 | 14th of 3,080 |
| Winter storms | 106 | 3 | $38M | 8th of 118 | 160th of 3,077 |
| High wind and dust storms | 87 | 0 | $21M | 2nd of 118 | 45th of 3,080 |
| Heat | 86 | 0 | – | 5th of 118 | 18th of 3,076 |
| Hail | 77 | 0 | $32M | 5th of 118 | 191st of 3,080 |
| Extreme cold | 62 | 1 | $46K | 7th of 118 | 23rd of 3,076 |
| Drought | 40 | 0 | $16M | 6th of 118 | 82nd of 3,063 |
| Heavy rain | 39 | 0 | $27K | 1st of 118 | 24th of 3,080 |
| Tornadoes | 28 | 0 | $6.4M | 2nd of 118 | 46th of 3,080 |
| Lightning | 14 | 0 | $266K | 1st of 118 | 84th of 3,080 |
| Wildfires | 3 | 0 | – | 2nd of 118 | 241st of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full McCracken County record: every hazard by year and month, the deadliest events and FEMA's declarations.