Pendleton County, Kentucky: hazard risk
FEMA rates Pendleton County's overall risk Very Low (score 29.9 of 100, higher than 29% of rated U.S. counties). Its storm record holds 315 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 |
|---|---|---|---|
| Lightning | Relatively Moderate | 71.2 | $491K |
| Strong Wind | Relatively Moderate | 58.8 | $668K |
| Tornado | Relatively Low | 51.8 | $1.2M |
| Riverine Flooding | Relatively Low | 49.1 | $6.1M |
| Ice Storm | Relatively Low | 30.6 | $31K |
| Cold Wave | Relatively Low | 29.0 | $370K |
| Landslide | Very Low | 58.0 | $2K |
| Heat Wave | Very Low | 35.2 | $170K |
| Earthquake | Very Low | 30.9 | $80K |
| Drought | Very Low | 18.3 | $2K |
| Winter Weather | Very Low | 17.9 | $15K |
| Hurricane | Very Low | 8.3 | $1K |
| Hail | Very Low | 8.2 | $23K |
| Wildfire | Very Low | 5.5 | $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 | 128 | 0 | $1.3M | 55th of 118 | 467th of 3,080 |
| Floods | 70 | 6 | $83M | 43rd of 118 | 286th of 3,080 |
| Winter storms | 56 | 0 | $376K | 47th of 118 | 686th of 3,077 |
| Hail | 27 | 0 | $15K | 93rd of 118 | 1924th of 3,080 |
| High wind and dust storms | 13 | 0 | $2.5M | 42nd of 118 | 939th of 3,080 |
| Tornadoes | 9 | 4 | $218M | 60th of 118 | 1415th of 3,080 |
| Heat | 7 | 0 | – | 43rd of 118 | 876th of 3,076 |
| Extreme cold | 3 | 0 | $699K | 102nd of 118 | 1696th of 3,076 |
| Heavy rain | 1 | 0 | – | 85th of 118 | 1534th of 3,080 |
| Lightning | 1 | 1 | – | 63rd of 118 | 1484th 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 Pendleton County record: every hazard by year and month, the deadliest events and FEMA's declarations.