Owsley County, Kentucky: hazard risk
FEMA rates Owsley County's overall risk Very Low (score 6.4 of 100, higher than 6% of rated U.S. counties). Its storm record holds 328 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 Low | 82.3 | $15K |
| Wildfire | Relatively Low | 64.6 | $80K |
| Winter Weather | Relatively Low | 25.2 | $16K |
| Strong Wind | Relatively Low | 18.8 | $114K |
| Earthquake | Very Low | 25.4 | $32K |
| Hurricane | Very Low | 23.1 | $5K |
| Riverine Flooding | Very Low | 21.2 | $1.7M |
| Cold Wave | Very Low | 20.0 | $151K |
| Drought | Very Low | 19.3 | $2K |
| Heat Wave | Very Low | 17.9 | $34K |
| Hail | Very Low | 16.8 | $40K |
| Tornado | Very Low | 15.8 | $106K |
| Lightning | Very Low | 12.3 | $29K |
| Ice Storm | Very Low | 10.0 | $4K |
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 | 107 | 0 | $307K | 49th of 118 | 439th of 3,080 |
| Winter storms | 83 | 0 | $68K | 22nd of 118 | 307th of 3,077 |
| Floods | 52 | 0 | $4.2M | 35th of 118 | 216th of 3,080 |
| Hail | 41 | 0 | – | 21st of 118 | 799th of 3,080 |
| Extreme cold | 13 | 0 | – | 30th of 118 | 326th of 3,076 |
| Heavy rain | 9 | 0 | – | 14th of 118 | 251st of 3,080 |
| High wind and dust storms | 8 | 0 | $79K | 49th of 118 | 1064th of 3,080 |
| Heat | 7 | 0 | – | 31st of 118 | 685th of 3,076 |
| Drought | 4 | 0 | – | 27th of 118 | 1632nd of 3,063 |
| Tornadoes | 2 | 0 | $1.2M | 99th of 118 | 2409th of 3,080 |
| Landslides and avalanches | 1 | 0 | – | 14th of 118 | 150th of 2,278 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Owsley County record: every hazard by year and month, the deadliest events and FEMA's declarations.