Natural disaster risk in Cumberland County, Kentucky
Kentucky · population 5,881 · FIPS 21057
Overall: very low risk
Cumberland County has a composite risk score of 30.1 out of 100 — higher than 30% of US counties. It ranks 84 of 120 in Kentucky (1 = highest risk). Its highest-rated hazards are inland (riverine) flooding, hail, cold wave.
Drought now: Yes: D1 Moderate Drought, 4 weeks
Yes. On the U.S. Drought Monitor map valid 13 October 2026, 40.58% of Cumberland County is in D1 Moderate Drought. Some of it has been at D1 or worse for 4 weeks in a row.
Drought in Cumberland County: the last 52 weeks · droughtmonitor.unl.edu
The U.S. Drought Monitor is jointly produced by the National Drought Mitigation Center at the University of Nebraska-Lincoln, the United States Department of Agriculture, the National Oceanic and Atmospheric Administration and the National Aeronautics and Space Administration. Map courtesy of NDMC.
Risk, loss, vulnerability and resilience
| Measure | Rating and score |
|---|---|
| Overall risk Expected annual loss, adjusted for social vulnerability and community resilience. |
Very low 30.1 |
| Expected annual loss About $5.8 million a year, on average, across all 18 hazards. |
Very low 16.5 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Very high 96.4 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Very low 18.1 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in Cumberland County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Inland (riverine) flooding | Relatively low 53 |
| Hail | Relatively low 45 |
| Cold wave | Relatively low 43 |
| Winter weather | Relatively low 39 |
| Tornado | Relatively low 38 |
| Ice storm | Relatively low 32 |
| Lightning | Relatively low 27 |
| Strong wind | Relatively low 26 |
| Landslide | Very low 57 |
| Earthquake | Very low 38 |
| Hurricane | Very low 35 |
| Drought | Very low 26 |
| Heat wave | Very low 22 |
| Wildfire | Very low 6 |
| Avalanche | Not applicable |
| Coastal flooding | Not applicable |
| Tsunami | Not applicable |
| Volcanic activity | Not applicable |
FEMA disaster declarations for Cumberland County
Federal declarations that designated Cumberland County, since 1 Jan 2024 (the period this site keeps from OpenFEMA). Older declarations are in FEMA's own dataset.
Yes. Cumberland County has been named in 8 FEMA declarations since 1 Jan 2024. The latest is DR-4937-KY (Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides), declared 1 Sep 2026.
| Declaration | Kind | Incident | Declared | Individual assistance here |
|---|---|---|---|---|
| DR-4937-KY | Major disaster | Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides | 1 Sep 2026 | No |
| DR-4913-KY | Major disaster | Severe Winter Storm | 29 May 2026 | No |
| EM-3633-KY | Emergency | Severe Winter Storm | 24 Jan 2026 | No |
| DR-4875-KY | Major disaster | Severe Storms, Straight-Line Winds, and Tornadoes | 23 May 2025 | No |
| EM-3626-KY | Emergency | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 3 Apr 2025 | No |
| DR-4860-KY | Major disaster | Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides | 24 Feb 2025 | No |
| EM-3624-KY | Emergency | Severe Storms, Straight-Line Winds, Flooding, and Landslides | 16 Feb 2025 | No |
| DR-4804-KY | Major disaster | Severe Storms, Straight-Line Winds, Tornadoes, Landslides, and Mudslides | 23 Jul 2024 | No |
All FEMA declarations in Kentucky, with estimated apply-by dates · Open FEMA deadlines
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). Dataset: Disaster Declarations Summaries - v2.
How to read these ratings
- Ratings run in five steps: very low, relatively low, relatively moderate, relatively high and very high. They compare a county with every other US county; they are not a measure of danger on their own.
- Scores run from 0 to 100 and are national percentiles. The bar shows the score: a score of 80 means a higher value than 80% of US counties.
- Overall risk combines the expected annual loss with social vulnerability and community resilience.
- Expected annual loss is the average yearly loss to buildings, people and agriculture the model expects from all 18 hazards.
- Social vulnerability describes how hard it may be for people to prepare for and recover from a disaster. Higher is worse.
- Community resilience describes a community's ability to prepare, adapt and recover. Higher is better.
- "Not applicable" means FEMA does not model that hazard there (for example, hurricanes far inland).
About this data
Source: FEMA National Risk Index, version 1.20, released December 2025, published by the Federal Emergency Management Agency (US public domain). About the National Risk Index. The index is a model of relative risk built from historical hazard records, what is exposed and community factors. It is not a forecast, it does not describe any single property, and it is not insurance or financial advice. For decisions about a specific address, check FEMA's flood maps and your local emergency management office.
Questions
What is the natural disaster risk in Cumberland County, Kentucky?
FEMA's National Risk Index rates the overall risk in Cumberland County as very low, with a score of 30.1 out of 100 (higher than 30% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in Cumberland County?
The hazards rated highest for Cumberland County are inland (riverine) flooding (relatively low), hail (relatively low), cold wave (relatively low).
What is the flood risk in Cumberland County?
FEMA rates inland (river and rain) flooding risk in Cumberland County as relatively low. For a specific property, check the FEMA flood map and your local floodplain office.
Has Cumberland County had a FEMA disaster declaration?
Yes. Cumberland County has been named in 8 FEMA declarations since 1 Jan 2024. The latest is DR-4937-KY (Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides), declared 1 Sep 2026.
Is Cumberland County in a drought?
Yes. On the U.S. Drought Monitor map valid 13 October 2026, 40.58% of Cumberland County is in D1 Moderate Drought. Some of it has been at D1 or worse for 4 weeks in a row.
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