Webster County, Kentucky: hazard risk
FEMA rates Webster County's overall risk Very Low (score 29.2 of 100, higher than 29% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by ice storm. Its storm record holds 667 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 High | 84.6 | $560K |
| Drought | Relatively Moderate | 69.8 | $493K |
| Strong Wind | Relatively Moderate | 68.8 | $905K |
| Earthquake | Relatively Low | 81.2 | $1.8M |
| Heat Wave | Relatively Low | 46.6 | $305K |
| Hail | Relatively Low | 41.8 | $182K |
| Winter Weather | Relatively Low | 40.4 | $44K |
| Tornado | Relatively Low | 39.7 | $816K |
| Cold Wave | Relatively Low | 31.6 | $437K |
| Lightning | Relatively Low | 24.9 | $85K |
| Riverine Flooding | Very Low | 31.8 | $3.6M |
| Landslide | Very Low | 23.3 | $158 |
| Hurricane | Very Low | 21.8 | $7K |
| Wildfire | Very Low | 2.5 | $922 |
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. |
|---|---|---|---|---|---|
| Winter storms | 110 | 4 | $16M | 19th of 118 | 270th of 3,077 |
| Severe thunderstorm wind | 82 | 0 | $3.2M | 109th of 118 | 1264th of 3,080 |
| Heat | 77 | 0 | – | 11th of 118 | 56th of 3,076 |
| Extreme cold | 70 | 0 | $5.7M | 8th of 118 | 35th of 3,076 |
| High wind and dust storms | 64 | 0 | $14M | 12th of 118 | 137th of 3,080 |
| Hail | 54 | 0 | $14K | 28th of 118 | 981st of 3,080 |
| Floods | 49 | 1 | $2.3M | 65th of 118 | 451st of 3,080 |
| Drought | 34 | 0 | $16M | 13th of 118 | 281st of 3,063 |
| Tornadoes | 22 | 1 | $44M | 18th of 118 | 390th of 3,080 |
| Heavy rain | 8 | 0 | – | 32nd of 118 | 366th of 3,080 |
| Lightning | 3 | 0 | $130K | 22nd of 118 | 793rd of 3,080 |
| Wildfires | 1 | 0 | – | 17th of 118 | 704th 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 Webster County record: every hazard by year and month, the deadliest events and FEMA's declarations.