Hardin County, Kentucky: Natural Disaster Risk and History
Hardin County, Kentucky has a Relatively Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 75.5 out of 100, higher than about 75% of US counties, with strong winds, ice storms and hail scoring highest of its 18 hazards and $36 million a year in expected losses.
OpenFEMA lists 25 federal disaster declarations that included Hardin County since 1970, not counting 2 for COVID-19; the latest is DR-4937-KY (Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides, declared 1 September 2026). NOAA's Storm Prediction Center recorded 30 tornadoes touching Hardin County from 1950 to 2025.
Live weather alerts for Kentucky All official warnings Latest FEMA declarations
Population 110,665 Buildings worth $22 billion Area 637 sq mi Risk rank in Kentucky 12 of 120 FIPS 21093
All 18 hazards, highest risk first
FEMA National Risk Index| Hazard | Risk rating | Score | Expected loss a year | How often | Events in record |
|---|---|---|---|---|---|
| Strong wind | Relatively High | 95.4 | $3.3 million | about 6.5 a year | 249 |
| Ice storm | Relatively High | 92.4 | $1.2 million | about once every 1.1 years | 62 |
| Hail | Relatively Moderate | 90.6 | $1.9 million | about 3.4 a year | 128 |
| Lightning | Relatively High | 86.3 | $1.0 million | about 53 a year | 153,750 strikes |
| Earthquake | Relatively Low | 84.6 | $2.8 million | about once every 369 years | — |
| Tornado | Relatively Moderate | 84.2 | $5.2 million | about once every 2.2 years | 29 |
| Winter weather | Relatively Moderate | 80.4 | $221,632 | about 8.8 a year | 168 |
| Cold wave | Relatively Moderate | 78.8 | $3.5 million | about 1.1 a year | 21 |
| Inland flooding | Relatively Moderate | 73.7 | $16 million | about 1.7 a year | 47 |
| Heat wave | Relatively Low | 72.0 | $1.0 million | about 5.5 a year | 84 |
| Hurricane | Very Low | 40.3 | $30,827 | about once every 75 years | 3 |
| Landslide | Very Low | 33.6 | $424 | about once every 1.8 years | — |
| Wildfire | Very Low | 32.8 | $17,843 | rarer than once in 1,000 years | — |
| Drought | Very Low | 30.1 | $26,771 | about 1.4 a year | 70 |
| Avalanche | Not Applicable | — | — | — | — |
| Coastal flooding | Not Applicable | — | — | — | — |
| Tsunami | Not Applicable | — | — | — | — |
| Volcanic activity | Not Applicable | — | — | — | — |
Score: FEMA's percentile among US counties that face the hazard (higher = more risk). Expected loss: FEMA's modelled average yearly loss to buildings, people (as a statistical value) and crops. How often: FEMA's annualised frequency of the hazard in the county; for some hazards it counts event-days, so it is a rough guide, not a forecast. "Not Applicable" means FEMA does not model that hazard here.
Federal disaster declarations 25
Most common: Severe Storm 13, Flood 4, Severe Ice Storm 2, Snowstorm 2.
| Decade | Declarations | Incident types |
|---|---|---|
| 1970s | 3 | Flood ×2, Tornado |
| 1980s | 1 | Flood |
| 1990s | 4 | Snowstorm ×2, Severe Storm, Tornado |
| 2000s | 8 | Severe Storm ×5, Severe Ice Storm ×2, Hurricane |
| 2010s | 3 | Severe Storm ×2, Flood |
| 2020s | 6 | Severe Storm ×5, Winter Storm |
The last 10
Widest declarations that included Hardin County
- Severe Winter Storm (2026, EM-3633-KY): 120 Kentucky counties designated.
- Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (2025, EM-3626-KY): 120 Kentucky counties designated.
- Severe Storms, Straight-Line Winds, Flooding, and Landslides (2025, EM-3624-KY): 120 Kentucky counties designated.
Named storms in its declarations: Hurricane Katrina (2005).
Not counted above: 2 COVID-19 ("Biological") declarations — in 2020 every US county was included. Kentucky also had 4 statewide declarations with no county list.
Tornado record since 1950 30
| Tornadoes touching the county | 30 |
|---|---|
| Strongest-rated | (E)F4 ×1 |
| Peak month | March (7) |
| Deadliest | 3 Apr 1974, F4, 37.9 mi path, 3 killed, 81 injured |
| Longest path | 3 Apr 1974, F4, 37.9 mi path, 3 killed, 81 injured |
| Most recent | 30 Mar 2025, EF1, 30.3 mi path, 0 killed, 1 injured |
| Deaths / injuries on those paths | 3 / 96 |
| Rating | (E)F0 | (E)F1 | (E)F2 | (E)F3 | (E)F4 | (E)F5 | Unrated |
|---|---|---|---|---|---|---|---|
| Count | 3 | 15 | 11 | 0 | 1 | 0 | 0 |
| Decade | 1950s | 1960s | 1970s | 1980s | 1990s | 2000s | 2010s | 2020s |
|---|---|---|---|---|---|---|---|---|
| Count | 0 | 2 | 3 | 2 | 5 | 6 | 6 | 6 |
Deaths and injuries are for each tornado's whole path, which can run beyond this county. F-scale ratings before February 2007, Enhanced Fujita (EF) after.
How Hardin County compares with its 5 nearest counties
| County | Distance | Overall risk | Score | Top hazard |
|---|---|---|---|---|
| Hardin County (this page) | — | Relatively Low | 75.5 | Strong wind |
| Larue County | 29 km | Very Low | 12.4 | Hail |
| Meade County | 38 km | Very Low | 40.9 | Strong wind |
| Bullitt County | 38 km | Relatively Low | 71.8 | Strong wind |
| Breckinridge County | 42 km | Very Low | 39.5 | Hail |
| Grayson County | 43 km | Relatively Low | 45.3 | Hail |
Nearest by distance between county centres. Every county in Kentucky, ranked.
Vulnerability and resilience
| Social vulnerability | Relatively Low 33.7 |
|---|---|
| Community resilience | Relatively Moderate 56.3 |
| Community risk factor | 1.01 |
| Expected annual loss, all hazards | $36 million |
FEMA scales expected losses up where social vulnerability is high (people who may find it harder to prepare, evacuate or recover) and down where community resilience is high. A factor above 1 raises the risk score. For social vulnerability a high rating is worse; for resilience a high rating is better.
Prepare for Hardin County's main hazards
- Right now: National Weather Service alerts for Kentucky · all official warnings on Global Incident Tracker.
- Strong wind: Power outages now
- Ice storm: Power outages now · Carbon monoxide in winter
- Hail: Weather alerts for Kentucky
- Your property's flood zone: FEMA Flood Map Service Center ↗ — this page cannot tell you that.
- Official preparedness guidance: Ready.gov ↗ and your county emergency management office.
What this page shows, and what it misses
FEMA's National Risk Index rates a whole county against every other US county; it is a planning-level estimate for nationwide comparison, not a flood-zone map and not a substitute for a local risk assessment or the risk to one home. Declarations are presidential disaster, emergency and fire management declarations that named this county; state declarations and SBA or USDA designations are not included. Tornadoes are counted when the county is one of up to four listed on the track; 670 tornadoes that crossed a state line carry no county list in NOAA's file and are left out.
Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties - v1.20.0 (December 2025). Retrieved from https://services.arcgis.com/XG15cJAlne2vxtgt/ArcGIS/rest/services/National_Risk_Index_Counties/FeatureServer/0/query on November 2, 2026, 1:20 PM EST. This product uses the Federal Emergency Management Agency’s National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Federal Emergency Management Agency (FEMA), OpenFEMA Dataset: Disaster Declarations Summaries - v2, retrieved from https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries on November 2, 2026, 1:21 PM EST. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Tornado records: NOAA/NWS Storm Prediction Center, Severe Weather Database, tornadoes 1950–2025 (https://www.spc.noaa.gov/wcm/data/1950-2025_actual_tornadoes.csv, downloaded 2 November 2026). Public domain; not endorsed by NOAA. Compiled by Global Incident Tracker.
Questions about Hardin County
What natural disasters is Hardin County, Kentucky most at risk from?
Hardin County, Kentucky has a Relatively Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 75.5 out of 100, higher than about 75% of US counties, with strong winds, ice storms and hail scoring highest of its 18 hazards and $36 million a year in expected losses.
How many federal disaster declarations has Hardin County had?
OpenFEMA lists 25 federal disaster declarations that included Hardin County since 1970, not counting 2 for COVID-19; the latest is DR-4937-KY (Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides, declared 1 September 2026). Another 4 Kentucky declarations were made statewide without a county list.
How many tornadoes have hit Hardin County?
NOAA's Storm Prediction Center recorded 30 tornadoes touching Hardin County from 1950 to 2025. The deadliest: 3 Apr 1974, F4, 37.9 mi path, 3 killed, 81 injured (deaths and injuries are for the whole path).
Is the National Risk Index a flood zone map?
No. The National Risk Index is a planning-level estimate for a whole county, built for nationwide comparison. It does not tell you the flood zone or the risk of a single property: for that, look up the address on FEMA's Flood Map Service Center (msc.fema.gov) and ask your local floodplain manager.