Ranked from FEMA National Risk Index
Highest Expected Disaster Loss per Household in Kentucky
FEMA publishes an expected annual loss for every county, but the raw figure tracks how much there is to lose, so a national list of it is really a list of large metros. Dividing by occupied housing units gives the number an individual owner can use. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there. It is an actuarial average, not a forecast for any one year.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Kentucky ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Floyd County | $7,297 | Relatively Moderate | $93,300 |
| 2 | Hickman County | $5,010 | Very Low | $92,300 |
| 3 | Fulton County | $3,845 | Relatively Low | $78,100 |
| 4 | Ballard County | $3,511 | Very Low | $132,900 |
| 5 | Carlisle County | $3,242 | Very Low | $104,700 |
| 6 | McCracken County | $2,893 | Relatively Moderate | $182,900 |
| 7 | Graves County | $2,763 | Relatively Moderate | $139,000 |
| 8 | Breathitt County | $2,674 | Relatively Low | $61,800 |
| 9 | McLean County | $2,610 | Very Low | $145,600 |
| 10 | Cumberland County | $2,403 | Very Low | $128,600 |
| 11 | Perry County | $2,373 | Relatively Low | $90,700 |
| 12 | Johnson County | $2,316 | Relatively Low | $125,300 |
| 13 | Martin County | $2,243 | Relatively Low | $84,900 |
| 14 | Todd County | $2,212 | Very Low | $157,400 |
| 15 | Clay County | $2,201 | Relatively Low | $87,300 |
| 16 | Hancock County | $2,192 | Very Low | $137,600 |
| 17 | Lawrence County | $2,185 | Relatively Low | $108,100 |
| 18 | Livingston County | $2,129 | Very Low | $116,300 |
| 19 | Knott County | $2,119 | Relatively Low | $74,600 |
| 20 | Lyon County | $2,108 | Very Low | $183,600 |
| 21 | Union County | $2,069 | Very Low | $109,000 |
| 22 | Crittenden County | $2,062 | Very Low | $115,700 |
| 23 | Pike County | $2,035 | Relatively Moderate | $104,200 |
| 24 | Letcher County | $2,019 | Relatively Low | $70,500 |
| 25 | Bell County | $1,972 | Relatively Low | $83,000 |
| 26 | Lewis County | $1,936 | Very Low | $86,100 |
| 27 | Calloway County | $1,910 | Relatively Low | $181,200 |
| 28 | Leslie County | $1,865 | Very Low | $74,100 |
| 29 | Webster County | $1,861 | Very Low | $97,600 |
| 30 | Caldwell County | $1,800 | Very Low | $113,500 |
| 31 | Gallatin County | $1,753 | Very Low | $169,400 |
| 32 | Trigg County | $1,752 | Relatively Low | $192,000 |
| 33 | Knox County | $1,742 | Relatively Low | $109,200 |
| 34 | Pendleton County | $1,718 | Very Low | $160,800 |
| 35 | Magoffin County | $1,709 | Very Low | $88,300 |
| 36 | Daviess County | $1,697 | Relatively Moderate | $185,800 |
| 37 | Marshall County | $1,690 | Relatively Low | $173,700 |
| 38 | Bracken County | $1,686 | Very Low | $116,400 |
| 39 | Harlan County | $1,684 | Relatively Low | $73,100 |
| 40 | Nicholas County | $1,638 | Very Low | $119,600 |
| 41 | Christian County | $1,628 | Relatively Low | $149,200 |
| 42 | Carroll County | $1,608 | Very Low | $129,800 |
| 43 | Logan County | $1,590 | Relatively Low | $151,500 |
| 44 | Owsley County | $1,578 | Very Low | $79,900 |
| 45 | Henderson County | $1,551 | Relatively Low | $165,700 |
| 46 | Boyd County | $1,550 | Relatively Low | $126,300 |
| 47 | Breckinridge County | $1,534 | Very Low | $141,400 |
| 48 | Ohio County | $1,520 | Relatively Low | $113,400 |
| 49 | Estill County | $1,517 | Very Low | $111,900 |
| 50 | Wolfe County | $1,509 | Very Low | $66,400 |
| 51 | Clinton County | $1,508 | Very Low | $114,000 |
| 52 | Warren County | $1,474 | Relatively Moderate | $242,600 |
| 53 | Wayne County | $1,461 | Relatively Low | $121,700 |
| 54 | Powell County | $1,456 | Very Low | $142,400 |
| 55 | Robertson County | $1,455 | Very Low | $123,400 |
| 56 | Washington County | $1,453 | Very Low | $168,300 |
| 57 | Bullitt County | $1,449 | Relatively Low | $233,700 |
| 58 | Owen County | $1,448 | Very Low | $165,000 |
| 59 | Morgan County | $1,439 | Very Low | $106,000 |
| 60 | Elliott County | $1,438 | Very Low | $97,400 |
| 61 | Menifee County | $1,432 | Very Low | $111,500 |
| 62 | Hopkins County | $1,408 | Relatively Low | $128,800 |
| 63 | Mason County | $1,405 | Very Low | $157,500 |
| 64 | Rowan County | $1,381 | Relatively Low | $155,900 |
| 65 | Carter County | $1,374 | Relatively Low | $126,100 |
| 66 | Hart County | $1,343 | Very Low | $124,600 |
| 67 | Butler County | $1,332 | Very Low | $105,500 |
| 68 | Bourbon County | $1,326 | Very Low | $211,600 |
| 69 | Whitley County | $1,323 | Relatively Low | $120,600 |
| 70 | Mercer County | $1,321 | Very Low | $189,700 |
| 71 | Spencer County | $1,315 | Very Low | $297,600 |
| 72 | Harrison County | $1,314 | Very Low | $188,900 |
| 73 | Oldham County | $1,298 | Relatively Low | $375,000 |
| 74 | Adair County | $1,288 | Very Low | $134,800 |
| 75 | Casey County | $1,279 | Very Low | $135,700 |
| 76 | Jackson County | $1,253 | Very Low | $107,000 |
| 77 | Pulaski County | $1,239 | Relatively Low | $156,300 |
| 78 | Monroe County | $1,238 | Very Low | $116,300 |
| 79 | Trimble County | $1,222 | Very Low | $172,700 |
| 80 | Woodford County | $1,207 | Very Low | $270,400 |
| 81 | Muhlenberg County | $1,207 | Relatively Low | $121,300 |
| 82 | Shelby County | $1,205 | Relatively Low | $277,500 |
| 83 | Meade County | $1,190 | Very Low | $195,000 |
| 84 | Rockcastle County | $1,188 | Very Low | $119,300 |
| 85 | Lee County | $1,183 | Very Low | $82,100 |
| 86 | Marion County | $1,182 | Very Low | $158,700 |
| 87 | Grayson County | $1,172 | Relatively Low | $160,100 |
| 88 | Fleming County | $1,149 | Very Low | $115,200 |
| 89 | Franklin County | $1,129 | Relatively Low | $198,700 |
| 90 | Anderson County | $1,124 | Very Low | $213,200 |
| 91 | Allen County | $1,121 | Very Low | $176,300 |
| 92 | Edmonson County | $1,100 | Very Low | $136,600 |
| 93 | Barren County | $1,093 | Relatively Low | $166,900 |
| 94 | Greenup County | $1,090 | Relatively Low | $135,300 |
| 95 | Metcalfe County | $1,083 | Very Low | $103,100 |
| 96 | Boyle County | $1,077 | Very Low | $200,700 |
| 97 | Larue County | $1,077 | Very Low | $177,500 |
| 98 | Nelson County | $1,064 | Relatively Low | $224,100 |
| 99 | Simpson County | $1,054 | Very Low | $195,700 |
| 100 | Jefferson County | $1,038 | Relatively High | $237,200 |
| 101 | Bath County | $1,038 | Very Low | $111,800 |
| 102 | Garrard County | $1,028 | Very Low | $186,800 |
| 103 | Taylor County | $1,012 | Very Low | $163,700 |
| 104 | Henry County | $1,007 | Very Low | $181,300 |
| 105 | Laurel County | $1,001 | Relatively Low | $143,400 |
| 106 | Madison County | $1,000 | Relatively Low | $220,700 |
| 107 | Russell County | $995 | Very Low | $148,200 |
| 108 | Boone County | $983 | Relatively Low | $253,200 |
| 109 | Green County | $976 | Very Low | $118,900 |
| 110 | Montgomery County | $940 | Very Low | $163,800 |
| 111 | Scott County | $932 | Relatively Low | $264,200 |
| 112 | Clark County | $913 | Very Low | $197,900 |
| 113 | Jessamine County | $899 | Very Low | $245,100 |
| 114 | McCreary County | $863 | Very Low | $77,000 |
| 115 | Lincoln County | $859 | Very Low | $139,300 |
| 116 | Hardin County | $830 | Relatively Low | $205,900 |
| 117 | Fayette County | $822 | Relatively Moderate | $272,100 |
| 118 | Grant County | $744 | Very Low | $185,500 |
| 119 | Kenton County | $692 | Relatively Low | $227,500 |
| 120 | Campbell County | $661 | Relatively Low | $234,500 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Kentucky