Natural disaster risk in Union County, Kentucky
Kentucky · population 13,662 · FIPS 21225
Overall: very low risk
Union County has a composite risk score of 42.8 out of 100 — higher than 42% of US counties. It ranks 51 of 120 in Kentucky (1 = highest risk). Its highest-rated hazards are ice storm, drought, strong wind.
Drought now: No, but abnormally dry (D0)
No drought, but abnormally dry. On the U.S. Drought Monitor map valid 13 October 2026, 81.93% of Union County is D0 Abnormally Dry and none of it is in drought (D1 to D4). Some of it has been abnormally dry or worse for 3 weeks in a row.
Drought in Union 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 42.8 |
| Expected annual loss About $10.6 million a year, on average, across all 18 hazards. |
Very low 37.3 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Relatively high 69.3 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Relatively low 34.7 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in Union County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Ice storm | Relatively high 86 |
| Drought | Relatively moderate 82 |
| Strong wind | Relatively moderate 74 |
| Earthquake | Relatively low 88 |
| Heat wave | Relatively low 60 |
| Winter weather | Relatively low 55 |
| Hail | Relatively low 48 |
| Tornado | Relatively low 38 |
| Inland (riverine) flooding | Relatively low 35 |
| Cold wave | Relatively low 30 |
| Lightning | Relatively low 26 |
| Hurricane | Very low 26 |
| Landslide | Very low 22 |
| Wildfire | Very low 5 |
| Avalanche | Not applicable |
| Coastal flooding | Not applicable |
| Tsunami | Not applicable |
| Volcanic activity | Not applicable |
FEMA disaster declarations for Union County
Federal declarations that designated Union County, since 1 Jan 2024 (the period this site keeps from OpenFEMA). Older declarations are in FEMA's own dataset.
Yes. Union County has been named in 7 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-4875-KY | Major disaster | Severe Storms, Straight-Line Winds, and Tornadoes | 23 May 2025 | Yes |
| DR-4864-KY | Major disaster | Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides | 24 Apr 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-4782-KY | Major disaster | Severe Storms, Straight-Line Winds, Tornadoes, Landslides, and Mudslides | 22 May 2024 | Yes |
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 Union County, Kentucky?
FEMA's National Risk Index rates the overall risk in Union County as very low, with a score of 42.8 out of 100 (higher than 42% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in Union County?
The hazards rated highest for Union County are ice storm (relatively high), drought (relatively moderate), strong wind (relatively moderate).
What is the flood risk in Union County?
FEMA rates inland (river and rain) flooding risk in Union County as relatively low. For a specific property, check the FEMA flood map and your local floodplain office.
Has Union County had a FEMA disaster declaration?
Yes. Union County has been named in 7 FEMA declarations since 1 Jan 2024. The latest is EM-3633-KY (Severe Winter Storm), declared 24 Jan 2026.
Is Union County in a drought?
No drought, but abnormally dry. On the U.S. Drought Monitor map valid 13 October 2026, 81.93% of Union County is D0 Abnormally Dry and none of it is in drought (D1 to D4). Some of it has been abnormally dry or worse for 3 weeks in a row.
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