Oldham County, Kentucky: hazard risk
FEMA rates Oldham County's overall risk Relatively Low (score 56.0 of 100, higher than 55% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by strong wind. Its storm record holds 383 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 High | 89.5 | $3.1M |
| Tornado | Relatively Moderate | 85.5 | $8.4M |
| Lightning | Relatively Moderate | 64.5 | $627K |
| Riverine Flooding | Relatively Low | 59.7 | $14M |
| Ice Storm | Relatively Low | 59.7 | $207K |
| Cold Wave | Relatively Low | 54.2 | $1.7M |
| Winter Weather | Relatively Low | 35.2 | $58K |
| Earthquake | Very Low | 56.1 | $593K |
| Heat Wave | Very Low | 36.5 | $299K |
| Hail | Very Low | 24.9 | $144K |
| Drought | Very Low | 22.9 | $12K |
| Landslide | Very Low | 22.4 | $233 |
| Wildfire | Very Low | 16.5 | $9K |
| Hurricane | Very Low | 8.7 | $2K |
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 | 189 | 0 | $807K | 4th of 118 | 38th of 3,080 |
| Hail | 72 | 0 | $4K | 3rd of 118 | 171st of 3,080 |
| Floods | 54 | 0 | $3.7M | 25th of 118 | 147th of 3,080 |
| Winter storms | 35 | 0 | – | 51st of 118 | 756th of 3,077 |
| Tornadoes | 12 | 0 | $8.1M | 15th of 118 | 359th of 3,080 |
| High wind and dust storms | 6 | 0 | $31K | 67th of 118 | 1334th of 3,080 |
| Extreme cold | 5 | 0 | – | 63rd of 118 | 908th of 3,076 |
| Heavy rain | 5 | 0 | $4K | 37th of 118 | 430th of 3,080 |
| Lightning | 4 | 0 | $373K | 5th of 118 | 338th 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 Oldham County record: every hazard by year and month, the deadliest events and FEMA's declarations.