Todd County, Kentucky: hazard risk
FEMA rates Todd County's overall risk Very Low (score 28.6 of 100, higher than 28% of rated U.S. counties). Its storm record holds 677 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 |
|---|---|---|---|
| Ice Storm | Relatively Moderate | 80.2 | $431K |
| Drought | Relatively Moderate | 65.6 | $424K |
| Earthquake | Relatively Low | 77.3 | $1.4M |
| Hail | Relatively Low | 71.7 | $630K |
| Tornado | Relatively Low | 55.1 | $1.5M |
| Strong Wind | Relatively Low | 49.8 | $571K |
| Cold Wave | Relatively Low | 46.9 | $881K |
| Heat Wave | Relatively Low | 40.2 | $244K |
| Lightning | Relatively Low | 27.4 | $104K |
| Hurricane | Very Low | 30.1 | $15K |
| Riverine Flooding | Very Low | 29.1 | $3.6M |
| Landslide | Very Low | 20.9 | $134 |
| Winter Weather | Very Low | 16.1 | $14K |
| Wildfire | Very Low | 2.9 | $1K |
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 | 121 | 0 | $5.1M | 85th of 118 | 857th of 3,080 |
| Winter storms | 94 | 0 | $13M | 34th of 118 | 485th of 3,077 |
| Heat | 71 | 0 | – | 15th of 118 | 102nd of 3,076 |
| Extreme cold | 67 | 0 | $20K | 15th of 118 | 55th of 3,076 |
| Floods | 62 | 0 | $2.8M | 55th of 118 | 362nd of 3,080 |
| High wind and dust storms | 60 | 0 | $309K | 18th of 118 | 180th of 3,080 |
| Hail | 58 | 0 | $261K | 38th of 118 | 1149th of 3,080 |
| Drought | 35 | 0 | $16M | 16th of 118 | 359th of 3,063 |
| Tornadoes | 21 | 0 | $19M | 24th of 118 | 501st of 3,080 |
| Heavy rain | 7 | 0 | – | 41st of 118 | 496th of 3,080 |
| Lightning | 3 | 0 | $49K | 25th of 118 | 861st of 3,080 |
| Wildfires | 1 | 0 | – | 24th of 118 | 754th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Todd County record: every hazard by year and month, the deadliest events and FEMA's declarations.