Bell County, Kentucky Natural Disaster Risk
FEMA National Risk Index assessment · KY
LowComposite Risk Score
National percentile: 68th
Bell County faces low composite natural disaster risk (NRI Risk Index score 68.0, 68th national percentile), driven primarily by landslide and riverine flood exposure. Expected annual loss across all 18 hazard types is $19M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
FEMA's National Risk Index rates Bell County at low composite risk, with a National Risk Index score of 68.0 out of 100 — placing it in the 68th national percentile and below the national average for natural-disaster risk. The score blends Expected Annual Loss, Social Vulnerability, and Community Resilience across all 18 FEMA hazard types.
Most of Bell County's expected losses come from landslide (downhill movement of rock, soil, and debris on unstable slopes) at Medium risk — $36K in expected annual loss and about 1.28 events per year; riverine flood (rivers and streams overflowing their banks after heavy rain or snowmelt) at Medium risk — $15M in expected annual loss and about 2.25 events per year; and wildfire (uncontrolled fires that spread across wildland and into communities) at Low risk — $156K in expected annual loss and about 0.01 events per year. Across all hazards, FEMA estimates $19M in expected annual loss for a population of 24K.
Beyond physical exposure, Bell County has a very high social vulnerability rating (how susceptible the population is to harm) and a very low community resilience rating (its capacity to prepare for and recover from disasters). That combination — a more vulnerable population with limited resilience — can amplify the human cost of any given event.
The county's disaster history tells the same story: Bell County has received 29 federal disaster declarations since 1967, including 10 for severe storm events and 9 for flood events. The most recent was Severe Winter Storm (winter storm), declared in January 2026.
Among 120 Kentucky counties, Bell County ranks #24 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Landslide | Medium | 1.28 / yr | $36K |
| Riverine Flood | Medium | 2.25 / yr | $15M |
| Wildfire | Low | 0.01 / yr | $156K |
| Cold Wave | Medium | 0.79 / yr | $2M |
| Winter Weather | Medium | 15.68 / yr | $95K |
| Avalanche | Low | 0.01 / yr | $3K |
| Earthquake | Very Low | 0.00 / yr | $308K |
| Hail | Low | 3.13 / yr | $199K |
| Strong Wind | Low | 5.33 / yr | $348K |
| Heat Wave | Low | 2.53 / yr | $182K |
| Tornado | Low | 0.10 / yr | $641K |
| Hurricane | Very Low | 0.02 / yr | $15K |
| Ice Storm | Very Low | 0.13 / yr | $14K |
| Lightning | Very Low | 54.05 / yr | $49K |
| Drought | Very Low | 11.41 / yr | $1K |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Disaster History
Bell County has received 29 federal disaster declarations since 1967, most recently Severe Winter Storm in January 2026. Most frequent causes: Severe Storm (10), Flood (9), Snowstorm (3).
| Declared | Type | Disaster |
|---|---|---|
| January 2026 | Winter Storm | Severe Winter Storm |
| April 2025 | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding |
| February 2025 | Severe Storm | Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides |
| February 2025 | Severe Storm | Severe Storms, Straight-Line Winds, Flooding, and Landslides |
| November 2024 | Tropical Storm | Remnants of Hurricane Helene |
| May 2023 | Flood | Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides |
| April 2021 | Flood | Severe, Storms, Flooding, Landslides, and Mudslides |
| April 2020 | Severe Storm | Severe Storms, Flooding, Landslides, and Mudslides |
| March 2020 | Biological | Covid-19 Pandemic |
| March 2020 | Biological | Covid-19 |
Showing the 10 most recent of 29 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Bell County?
Bell County has a composite FEMA National Risk Index score of 68.0 out of 100, placing it in the Low category and the 68th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Bell County?
The three highest-rated hazards are Landslide (Medium, $36K EAL), Riverine Flood (Medium, $15M EAL), Wildfire (Low, $156K EAL). These account for most of the county's expected annual losses.
How does Bell County compare to other Kentucky counties?
Bell County ranks #24 of 120 Kentucky counties for overall natural disaster risk, with a low rating.
How many federally declared disasters has Bell County had?
FEMA records 29 federal disaster declarations for Bell County since 1967, most often 10 for severe storm events and 9 for flood events. The most recent was Severe Winter Storm, declared in January 2026.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Bell County's $19M EAL is a statistical average, not a guarantee for any specific year or address.