McLean County, Kentucky: hazard risk
FEMA rates McLean County's overall risk Very Low (score 40.7 of 100, higher than 40% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by ice storm. Its storm record holds 631 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 | 86.4 | $492K |
| Strong Wind | Relatively Moderate | 70.5 | $732K |
| Drought | Relatively Moderate | 70.4 | $392K |
| Earthquake | Relatively Low | 84.6 | $2.0M |
| Hail | Relatively Low | 65.7 | $345K |
| Winter Weather | Relatively Low | 53.4 | $53K |
| Riverine Flooding | Relatively Low | 45.8 | $4.3M |
| Heat Wave | Relatively Low | 45.4 | $219K |
| Tornado | Relatively Low | 37.6 | $567K |
| Hurricane | Very Low | 26.9 | $8K |
| Cold Wave | Very Low | 23.6 | $216K |
| Lightning | Very Low | 18.8 | $47K |
| Landslide | Very Low | 17.9 | $66 |
| Wildfire | Very Low | 4.5 | $1K |
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. |
|---|---|---|---|---|---|
| Winter storms | 109 | 1 | $16M | 7th of 118 | 156th of 3,077 |
| Floods | 75 | 0 | $15M | 15th of 118 | 84th of 3,080 |
| Heat | 74 | 0 | – | 7th of 118 | 32nd of 3,076 |
| Extreme cold | 67 | 0 | $20K | 4th of 118 | 17th of 3,076 |
| High wind and dust storms | 67 | 0 | $11M | 7th of 118 | 85th of 3,080 |
| Severe thunderstorm wind | 59 | 1 | $1.2M | 112th of 118 | 1367th of 3,080 |
| Hail | 44 | 0 | $132K | 26th of 118 | 869th of 3,080 |
| Drought | 34 | 0 | $16M | 8th of 118 | 132nd of 3,063 |
| Tornadoes | 8 | 0 | $3.1M | 69th of 118 | 1675th of 3,080 |
| Heavy rain | 7 | 0 | – | 25th of 118 | 317th of 3,080 |
| Lightning | 2 | 0 | $18K | 27th of 118 | 873rd of 3,080 |
| Wildfires | 2 | 0 | – | 5th of 118 | 344th 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 McLean County record: every hazard by year and month, the deadliest events and FEMA's declarations.