McCreary County, Kentucky: hazard risk
FEMA rates McCreary County's overall risk Very Low (score 25.3 of 100, higher than 25% of rated U.S. counties). Its storm record holds 410 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 |
|---|---|---|---|
| Landslide | Relatively Moderate | 90.8 | $35K |
| Winter Weather | Relatively Moderate | 77.7 | $105K |
| Cold Wave | Relatively Moderate | 67.0 | $1.1M |
| Strong Wind | Relatively Moderate | 58.9 | $402K |
| Wildfire | Relatively Low | 74.2 | $138K |
| Earthquake | Relatively Low | 60.0 | $258K |
| Lightning | Relatively Low | 55.9 | $164K |
| Hail | Relatively Low | 54.1 | $178K |
| Tornado | Relatively Low | 48.2 | $659K |
| Heat Wave | Relatively Low | 44.3 | $160K |
| Ice Storm | Relatively Low | 29.9 | $18K |
| Hurricane | Very Low | 48.5 | $36K |
| Avalanche | Very Low | 34.2 | $83 |
| Riverine Flooding | Very Low | 24.3 | $1.6M |
| Drought | Very Low | 16.9 | $935 |
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 | 174 | 0 | $3.8M | 100th of 118 | 1081st of 3,080 |
| Hail | 67 | 0 | – | 80th of 118 | 1757th of 3,080 |
| Winter storms | 52 | 1 | $444K | 86th of 118 | 1394th of 3,077 |
| Floods | 46 | 0 | $181K | 102nd of 118 | 1000th of 3,080 |
| High wind and dust storms | 25 | 0 | $611K | 44th of 118 | 985th of 3,080 |
| Heavy rain | 15 | 0 | $570 | 33rd of 118 | 386th of 3,080 |
| Extreme cold | 12 | 0 | – | 59th of 118 | 871st of 3,076 |
| Tornadoes | 10 | 2 | $3.9M | 88th of 118 | 2165th of 3,080 |
| Drought | 3 | 0 | – | 52nd of 118 | 2114th of 3,063 |
| Heat | 3 | 0 | – | 65th of 118 | 1708th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full McCreary County record: every hazard by year and month, the deadliest events and FEMA's declarations.