Natural disaster risk in Hart County, Kentucky
Kentucky · population 19,277 · FIPS 21099
Overall: very low risk
Hart County has a composite risk score of 41.1 out of 100 — higher than 41% of US counties. It ranks 56 of 120 in Kentucky (1 = highest risk). Its highest-rated hazards are hail, ice storm, strong wind.
Drought now: Yes: D1 Moderate Drought, 2 weeks
Yes. On the U.S. Drought Monitor map valid 13 October 2026, 7.59% of Hart County is in D1 Moderate Drought. Some of it has been at D1 or worse for 2 weeks in a row.
Drought in Hart 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 41.1 |
| Expected annual loss About $9.7 million a year, on average, across all 18 hazards. |
Very low 33.9 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Relatively high 75.8 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Relatively moderate 45.2 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in Hart County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Hail | Relatively moderate 84 |
| Ice storm | Relatively moderate 67 |
| Strong wind | Relatively moderate 66 |
| Earthquake | Relatively low 63 |
| Tornado | Relatively low 63 |
| Cold wave | Relatively low 49 |
| Inland (riverine) flooding | Relatively low 49 |
| Winter weather | Relatively low 43 |
| Heat wave | Relatively low 40 |
| Lightning | Relatively low 40 |
| Drought | Relatively low 33 |
| Landslide | Very low 45 |
| Hurricane | Very low 38 |
| Wildfire | Very low 10 |
| Avalanche | Not applicable |
| Coastal flooding | Not applicable |
| Tsunami | Not applicable |
| Volcanic activity | Not applicable |
FEMA disaster declarations for Hart County
Federal declarations that designated Hart County, since 1 Jan 2024 (the period this site keeps from OpenFEMA). Older declarations are in FEMA's own dataset.
Yes. Hart County has been named in 6 FEMA declarations since 1 Jan 2024. The latest is EM-3633-KY (Severe Winter Storm), declared 24 Jan 2026.
| Declaration | Kind | Incident | Declared | Individual assistance here |
|---|---|---|---|---|
| EM-3633-KY | Emergency | Severe Winter Storm | 24 Jan 2026 | No |
| DR-4864-KY | Major disaster | Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides | 24 Apr 2025 | Yes |
| 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 Hart County, Kentucky?
FEMA's National Risk Index rates the overall risk in Hart County as very low, with a score of 41.1 out of 100 (higher than 41% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in Hart County?
The hazards rated highest for Hart County are hail (relatively moderate), ice storm (relatively moderate), strong wind (relatively moderate).
What is the flood risk in Hart County?
FEMA rates inland (river and rain) flooding risk in Hart County as relatively low. For a specific property, check the FEMA flood map and your local floodplain office.
Has Hart County had a FEMA disaster declaration?
Yes. Hart County has been named in 6 FEMA declarations since 1 Jan 2024. The latest is EM-3633-KY (Severe Winter Storm), declared 24 Jan 2026.
Is Hart County in a drought?
Yes. On the U.S. Drought Monitor map valid 13 October 2026, 7.59% of Hart County is in D1 Moderate Drought. Some of it has been at D1 or worse for 2 weeks in a row.
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