Montgomery County, Kentucky: hazard risk
FEMA rates Montgomery County's overall risk Very Low (score 34.3 of 100, higher than 34% of rated U.S. counties). Its storm record holds 431 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 | 67.4 | $844K |
| Winter Weather | Relatively Moderate | 66.4 | $106K |
| Lightning | Relatively Moderate | 60.5 | $318K |
| Tornado | Relatively Low | 53.8 | $1.3M |
| Hail | Relatively Low | 52.5 | $272K |
| Riverine Flooding | Relatively Low | 49.7 | $6.2M |
| Ice Storm | Relatively Low | 42.9 | $57K |
| Heat Wave | Relatively Low | 42.6 | $243K |
| Cold Wave | Relatively Low | 36.7 | $537K |
| Earthquake | Very Low | 57.8 | $381K |
| Hurricane | Very Low | 36.9 | $23K |
| Landslide | Very Low | 36.0 | $451 |
| Wildfire | Very Low | 30.7 | $14K |
| Drought | Very Low | 21.2 | $5K |
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 | 201 | 0 | $11M | 11th of 118 | 91st of 3,080 |
| Floods | 77 | 1 | $4.7M | 16th of 118 | 90th of 3,080 |
| Winter storms | 65 | 0 | $28K | 27th of 118 | 341st of 3,077 |
| Hail | 38 | 0 | – | 37th of 118 | 1132nd of 3,080 |
| High wind and dust storms | 16 | 0 | $409K | 25th of 118 | 511th of 3,080 |
| Extreme cold | 12 | 0 | – | 34th of 118 | 366th of 3,076 |
| Heat | 7 | 0 | – | 30th of 118 | 684th of 3,076 |
| Heavy rain | 3 | 0 | – | 48th of 118 | 610th of 3,080 |
| Tornadoes | 3 | 0 | $3.0M | 89th of 118 | 2220th of 3,080 |
| Drought | 2 | 0 | – | 38th of 118 | 2000th of 3,063 |
| Lightning | 1 | 0 | $2K | 50th of 118 | 1229th 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 Montgomery County record: every hazard by year and month, the deadliest events and FEMA's declarations.