Spencer County, Kentucky: hazard risk
FEMA rates Spencer County's overall risk Very Low (score 13.3 of 100, higher than 13% of rated U.S. counties). Its storm record holds 211 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 |
|---|---|---|---|
| Tornado | Relatively Low | 56.7 | $2.6M |
| Strong Wind | Relatively Low | 49.0 | $892K |
| Lightning | Relatively Low | 35.6 | $226K |
| Ice Storm | Relatively Low | 31.8 | $60K |
| Cold Wave | Relatively Low | 27.1 | $604K |
| Winter Weather | Relatively Low | 26.3 | $42K |
| Landslide | Very Low | 39.9 | $1K |
| Earthquake | Very Low | 39.2 | $243K |
| Riverine Flooding | Very Low | 22.6 | $4.5M |
| Heat Wave | Very Low | 21.4 | $116K |
| Drought | Very Low | 20.7 | $8K |
| Hail | Very Low | 10.5 | $56K |
| Wildfire | Very Low | 9.1 | $5K |
| Hurricane | Very Low | 7.8 | $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 | 88 | 0 | $548K | 43rd of 118 | 389th of 3,080 |
| Floods | 41 | 1 | $2.4M | 50th of 118 | 349th of 3,080 |
| Hail | 30 | 0 | $129K | 35th of 118 | 1102nd of 3,080 |
| Winter storms | 30 | 0 | – | 64th of 118 | 920th of 3,077 |
| Tornadoes | 11 | 0 | $4.0M | 27th of 118 | 673rd of 3,080 |
| High wind and dust storms | 6 | 0 | $6K | 66th of 118 | 1330th of 3,080 |
| Extreme cold | 5 | 0 | – | 62nd of 118 | 905th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Spencer County record: every hazard by year and month, the deadliest events and FEMA's declarations.