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FEMA National Risk Index v1.20 · OpenFEMA · NOAA SPC · data checked 2 Nov 2026

Laurel County, Kentucky: Natural Disaster Risk and History

Laurel County, Kentucky has a Relatively Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 71.7 out of 100, higher than about 71% of US counties, with winter storms, hail and wildfires scoring highest of its 18 hazards and $24 million a year in expected losses.

OpenFEMA lists 26 federal disaster declarations that included Laurel County since 1970, not counting 2 for COVID-19; the latest is DR-4913-KY (Severe Winter Storm, declared 29 May 2026). NOAA's Storm Prediction Center recorded 20 tornadoes touching Laurel County from 1950 to 2025.

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Population 62,486 Buildings worth $12 billion Area 448 sq mi Risk rank in Kentucky 22 of 120 FIPS 21125

All 18 hazards, highest risk first

FEMA National Risk Index
HazardRisk ratingScoreExpected loss a yearHow oftenEvents in record
Winter weatherRelatively High 91.4 $354,729 about 13 a year 245
HailRelatively Moderate 90.8 $1.5 million about 3.1 a year 119
WildfireRelatively Moderate 89.5 $1.0 million about once every 97 years —
Cold waveRelatively Moderate 88.8 $5.0 million about once every 1.3 years 15
LandslideRelatively Low 86.9 $30,371 about 1.1 a year —
TornadoRelatively Moderate 83.5 $3.8 million about once every 6.8 years 15
Heat waveRelatively Moderate 79.5 $1.2 million about 2.6 a year 40
Strong windRelatively Moderate 78.6 $972,453 about 5.7 a year 218
EarthquakeRelatively Low 77.3 $1.0 million about once every 380 years —
LightningRelatively Moderate 73.8 $446,295 about 53 a year 96,196 strikes
Inland floodingRelatively Low 64.9 $8.4 million about 2 a year 56
HurricaneVery Low 50.9 $61,515 about once every 35 years 8
Ice stormRelatively Low 44.0 $50,489 about once every 3.1 years 22
DroughtVery Low 28.3 $15,298 about 7.7 a year 259
AvalancheNot Applicable — — — —
Coastal floodingNot Applicable — — — —
TsunamiNot Applicable — — — —
Volcanic activityNot 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 26

Most common: Severe Storm 13, Snowstorm 3, Winter Storm 2, Flood 2.

DecadeDeclarationsIncident types
1970s2Tornado, Flood
1980s1Severe Storm
1990s5Snowstorm ×3, Severe Storm, Tornado
2000s6Severe Storm ×3, Fire ×2, Hurricane
2010s2Severe Storm ×2
2020s10Severe Storm ×6, Winter Storm ×2, Flood, Severe Ice Storm

The last 10

Severe Winter Storm DR-4913-KY · Winter Storm · declared 29 May 2026
Severe Winter Storm EM-3633-KY · Winter Storm · declared 24 Jan 2026
Severe Storms, Straight-Line Winds, and Tornadoes DR-4875-KY · Severe Storm · declared 23 May 2025 · households could apply
Severe Storms, Straight-Line Winds, Tornadoes, and Flooding EM-3626-KY · Severe Storm · declared 3 Apr 2025
Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides DR-4860-KY · Severe Storm · declared 24 Feb 2025 · households could apply
Severe Storms, Straight-Line Winds, Flooding, and Landslides EM-3624-KY · Severe Storm · declared 16 Feb 2025
Severe Storms, Straight-Line Winds, Tornadoes, Landslides, and Mudslides DR-4804-KY · Severe Storm · declared 23 Jul 2024 · households could apply
Severe, Storms, Flooding, Landslides, and Mudslides DR-4595-KY · Flood · declared 23 Apr 2021 · households could apply
Severe Winter Storms, Landslides, and Mudslides DR-4592-KY · Severe Ice Storm · declared 31 Mar 2021

Widest declarations that included Laurel 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 20

Tornadoes touching the county20
Strongest-rated(E)F4 ×1
Peak monthApril (5)
Deadliest16 May 2025, EF4, 60.1 mi path, 18 killed, 0 injured
Longest path16 May 2025, EF4, 60.1 mi path, 18 killed, 0 injured
Most recent16 May 2025, EF4, 60.1 mi path, 18 killed, 0 injured
Deaths / injuries on those paths31 / 138
Rating(E)F0(E)F1(E)F2(E)F3(E)F4(E)F5Unrated
Count3772100
Decade1950s1960s1970s1980s1990s2000s2010s2020s
Count20434511

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.

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How Laurel County compares with its 5 nearest counties

CountyDistanceOverall riskScoreTop hazard
Laurel County (this page)—Relatively Low71.7 Winter weather
Rockcastle County 33 kmVery Low36.1 Landslide
Knox County 34 kmRelatively Low74.7 Cold wave
Jackson County 36 kmVery Low24.2 Landslide
Clay County 36 kmRelatively Low67.1 Landslide
Whitley County 39 kmRelatively Low62.2 Landslide

Nearest by distance between county centres. Every county in Kentucky, ranked.

Vulnerability and resilience

Social vulnerabilityRelatively High 68.2
Community resilienceRelatively Low 29.0
Community risk factor1.32
Expected annual loss, all hazards$24 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 Laurel County's main hazards

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 Laurel County

What natural disasters is Laurel County, Kentucky most at risk from?

Laurel County, Kentucky has a Relatively Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 71.7 out of 100, higher than about 71% of US counties, with winter storms, hail and wildfires scoring highest of its 18 hazards and $24 million a year in expected losses.

How many federal disaster declarations has Laurel County had?

OpenFEMA lists 26 federal disaster declarations that included Laurel County since 1970, not counting 2 for COVID-19; the latest is DR-4913-KY (Severe Winter Storm, declared 29 May 2026). Another 4 Kentucky declarations were made statewide without a county list.

How many tornadoes have hit Laurel County?

NOAA's Storm Prediction Center recorded 20 tornadoes touching Laurel County from 1950 to 2025. The deadliest: 16 May 2025, EF4, 60.1 mi path, 18 killed, 0 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.