Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Kentucky
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. 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.
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 | Campbell County | $661 | Relatively Low | $234,500 |
| 2 | Kenton County | $692 | Relatively Low | $227,500 |
| 3 | Grant County | $744 | Very Low | $185,500 |
| 4 | Fayette County | $822 | Relatively Moderate | $272,100 |
| 5 | Hardin County | $830 | Relatively Low | $205,900 |
| 6 | Lincoln County | $859 | Very Low | $139,300 |
| 7 | McCreary County | $863 | Very Low | $77,000 |
| 8 | Jessamine County | $899 | Very Low | $245,100 |
| 9 | Clark County | $913 | Very Low | $197,900 |
| 10 | Scott County | $932 | Relatively Low | $264,200 |
| 11 | Montgomery County | $940 | Very Low | $163,800 |
| 12 | Green County | $976 | Very Low | $118,900 |
| 13 | Boone County | $983 | Relatively Low | $253,200 |
| 14 | Russell County | $995 | Very Low | $148,200 |
| 15 | Madison County | $1,000 | Relatively Low | $220,700 |
| 16 | Laurel County | $1,001 | Relatively Low | $143,400 |
| 17 | Henry County | $1,007 | Very Low | $181,300 |
| 18 | Taylor County | $1,012 | Very Low | $163,700 |
| 19 | Garrard County | $1,028 | Very Low | $186,800 |
| 20 | Bath County | $1,038 | Very Low | $111,800 |
| 21 | Jefferson County | $1,038 | Relatively High | $237,200 |
| 22 | Simpson County | $1,054 | Very Low | $195,700 |
| 23 | Nelson County | $1,064 | Relatively Low | $224,100 |
| 24 | Larue County | $1,077 | Very Low | $177,500 |
| 25 | Boyle County | $1,077 | Very Low | $200,700 |
| 26 | Metcalfe County | $1,083 | Very Low | $103,100 |
| 27 | Greenup County | $1,090 | Relatively Low | $135,300 |
| 28 | Barren County | $1,093 | Relatively Low | $166,900 |
| 29 | Edmonson County | $1,100 | Very Low | $136,600 |
| 30 | Allen County | $1,121 | Very Low | $176,300 |
| 31 | Anderson County | $1,124 | Very Low | $213,200 |
| 32 | Franklin County | $1,129 | Relatively Low | $198,700 |
| 33 | Fleming County | $1,149 | Very Low | $115,200 |
| 34 | Grayson County | $1,172 | Relatively Low | $160,100 |
| 35 | Marion County | $1,182 | Very Low | $158,700 |
| 36 | Lee County | $1,183 | Very Low | $82,100 |
| 37 | Rockcastle County | $1,188 | Very Low | $119,300 |
| 38 | Meade County | $1,190 | Very Low | $195,000 |
| 39 | Shelby County | $1,205 | Relatively Low | $277,500 |
| 40 | Muhlenberg County | $1,207 | Relatively Low | $121,300 |
| 41 | Woodford County | $1,207 | Very Low | $270,400 |
| 42 | Trimble County | $1,222 | Very Low | $172,700 |
| 43 | Monroe County | $1,238 | Very Low | $116,300 |
| 44 | Pulaski County | $1,239 | Relatively Low | $156,300 |
| 45 | Jackson County | $1,253 | Very Low | $107,000 |
| 46 | Casey County | $1,279 | Very Low | $135,700 |
| 47 | Adair County | $1,288 | Very Low | $134,800 |
| 48 | Oldham County | $1,298 | Relatively Low | $375,000 |
| 49 | Harrison County | $1,314 | Very Low | $188,900 |
| 50 | Spencer County | $1,315 | Very Low | $297,600 |
| 51 | Mercer County | $1,321 | Very Low | $189,700 |
| 52 | Whitley County | $1,323 | Relatively Low | $120,600 |
| 53 | Bourbon County | $1,326 | Very Low | $211,600 |
| 54 | Butler County | $1,332 | Very Low | $105,500 |
| 55 | Hart County | $1,343 | Very Low | $124,600 |
| 56 | Carter County | $1,374 | Relatively Low | $126,100 |
| 57 | Rowan County | $1,381 | Relatively Low | $155,900 |
| 58 | Mason County | $1,405 | Very Low | $157,500 |
| 59 | Hopkins County | $1,408 | Relatively Low | $128,800 |
| 60 | Menifee County | $1,432 | Very Low | $111,500 |
| 61 | Elliott County | $1,438 | Very Low | $97,400 |
| 62 | Morgan County | $1,439 | Very Low | $106,000 |
| 63 | Owen County | $1,448 | Very Low | $165,000 |
| 64 | Bullitt County | $1,449 | Relatively Low | $233,700 |
| 65 | Washington County | $1,453 | Very Low | $168,300 |
| 66 | Robertson County | $1,455 | Very Low | $123,400 |
| 67 | Powell County | $1,456 | Very Low | $142,400 |
| 68 | Wayne County | $1,461 | Relatively Low | $121,700 |
| 69 | Warren County | $1,474 | Relatively Moderate | $242,600 |
| 70 | Clinton County | $1,508 | Very Low | $114,000 |
| 71 | Wolfe County | $1,509 | Very Low | $66,400 |
| 72 | Estill County | $1,517 | Very Low | $111,900 |
| 73 | Ohio County | $1,520 | Relatively Low | $113,400 |
| 74 | Breckinridge County | $1,534 | Very Low | $141,400 |
| 75 | Boyd County | $1,550 | Relatively Low | $126,300 |
| 76 | Henderson County | $1,551 | Relatively Low | $165,700 |
| 77 | Owsley County | $1,578 | Very Low | $79,900 |
| 78 | Logan County | $1,590 | Relatively Low | $151,500 |
| 79 | Carroll County | $1,608 | Very Low | $129,800 |
| 80 | Christian County | $1,628 | Relatively Low | $149,200 |
| 81 | Nicholas County | $1,638 | Very Low | $119,600 |
| 82 | Harlan County | $1,684 | Relatively Low | $73,100 |
| 83 | Bracken County | $1,686 | Very Low | $116,400 |
| 84 | Marshall County | $1,690 | Relatively Low | $173,700 |
| 85 | Daviess County | $1,697 | Relatively Moderate | $185,800 |
| 86 | Magoffin County | $1,709 | Very Low | $88,300 |
| 87 | Pendleton County | $1,718 | Very Low | $160,800 |
| 88 | Knox County | $1,742 | Relatively Low | $109,200 |
| 89 | Trigg County | $1,752 | Relatively Low | $192,000 |
| 90 | Gallatin County | $1,753 | Very Low | $169,400 |
| 91 | Caldwell County | $1,800 | Very Low | $113,500 |
| 92 | Webster County | $1,861 | Very Low | $97,600 |
| 93 | Leslie County | $1,865 | Very Low | $74,100 |
| 94 | Calloway County | $1,910 | Relatively Low | $181,200 |
| 95 | Lewis County | $1,936 | Very Low | $86,100 |
| 96 | Bell County | $1,972 | Relatively Low | $83,000 |
| 97 | Letcher County | $2,019 | Relatively Low | $70,500 |
| 98 | Pike County | $2,035 | Relatively Moderate | $104,200 |
| 99 | Crittenden County | $2,062 | Very Low | $115,700 |
| 100 | Union County | $2,069 | Very Low | $109,000 |
| 101 | Lyon County | $2,108 | Very Low | $183,600 |
| 102 | Knott County | $2,119 | Relatively Low | $74,600 |
| 103 | Livingston County | $2,129 | Very Low | $116,300 |
| 104 | Lawrence County | $2,185 | Relatively Low | $108,100 |
| 105 | Hancock County | $2,192 | Very Low | $137,600 |
| 106 | Clay County | $2,201 | Relatively Low | $87,300 |
| 107 | Todd County | $2,212 | Very Low | $157,400 |
| 108 | Martin County | $2,243 | Relatively Low | $84,900 |
| 109 | Johnson County | $2,316 | Relatively Low | $125,300 |
| 110 | Perry County | $2,373 | Relatively Low | $90,700 |
| 111 | Cumberland County | $2,403 | Very Low | $128,600 |
| 112 | McLean County | $2,610 | Very Low | $145,600 |
| 113 | Breathitt County | $2,674 | Relatively Low | $61,800 |
| 114 | Graves County | $2,763 | Relatively Moderate | $139,000 |
| 115 | McCracken County | $2,893 | Relatively Moderate | $182,900 |
| 116 | Carlisle County | $3,242 | Very Low | $104,700 |
| 117 | Ballard County | $3,511 | Very Low | $132,900 |
| 118 | Fulton County | $3,845 | Relatively Low | $78,100 |
| 119 | Hickman County | $5,010 | Very Low | $92,300 |
| 120 | Floyd County | $7,297 | Relatively Moderate | $93,300 |
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
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Kentucky