Campbell County, Kentucky Natural Disaster Risk
FEMA National Risk Index assessment · KY
LowComposite Risk Score
National percentile: 58th
Campbell County faces low composite natural disaster risk (NRI Risk Index score 58.3, 58th national percentile), driven primarily by tornado and lightning exposure. Expected annual loss across all 18 hazard types is $26M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
FEMA's National Risk Index rates Campbell County at low composite risk, with a National Risk Index score of 58.3 out of 100 — placing it in the 58th 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.
The county's risk is driven primarily by tornado (violently rotating columns of air capable of catastrophic local damage) at Medium risk — $5M in expected annual loss and about 0.10 events per year; lightning (electrical discharges from storms that ignite fires and cause casualties) at Medium risk — $854K in expected annual loss and about 51.05 events per year; and landslide (downhill movement of rock, soil, and debris on unstable slopes) at Low risk — $10K in expected annual loss and about 0.36 events per year. Across all hazards, FEMA estimates $26M in expected annual loss for a population of 93K.
Beyond physical exposure, Campbell County has a very low social vulnerability rating (how susceptible the population is to harm) and a very high community resilience rating (its capacity to prepare for and recover from disasters). A less vulnerable population paired with strong resilience helps the community absorb and recover from events.
History supports the rating: Campbell County has received 17 federal disaster declarations since 1993, including 8 for severe storm events and 2 for biological events. The most recent was Severe Winter Storm (winter storm), declared in January 2026.
Among 120 Kentucky counties, Campbell County ranks #34 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Tornado | Medium | 0.10 / yr | $5M |
| Lightning | Medium | 51.05 / yr | $854K |
| Landslide | Low | 0.36 / yr | $10K |
| Cold Wave | Medium | 1.79 / yr | $3M |
| Earthquake | Low | 0.00 / yr | $923K |
| Heat Wave | Low | 6.68 / yr | $1M |
| Ice Storm | Medium | 0.94 / yr | $249K |
| Strong Wind | Medium | 3.04 / yr | $1M |
| Riverine Flood | Low | 2.04 / yr | $14M |
| Winter Weather | Low | 10.84 / yr | $95K |
| Hail | Very Low | 3.23 / yr | $155K |
| Drought | Very Low | 2.22 / yr | $1K |
| Wildfire | Very Low | 0.00 / yr | $6K |
| Hurricane | Very Low | 0.01 / yr | $3K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| 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
Campbell County has received 17 federal disaster declarations since 1993, most recently Severe Winter Storm in January 2026. Most frequent causes: Severe Storm (8), Biological (2), Severe Ice Storm (2).
| Declared | Type | Disaster |
|---|---|---|
| January 2026 | Winter Storm | Severe Winter Storm |
| April 2025 | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides |
| April 2025 | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding |
| February 2025 | Severe Storm | Severe Storms, Straight-Line Winds, Flooding, and Landslides |
| March 2020 | Biological | Covid-19 Pandemic |
| March 2020 | Biological | Covid-19 |
| April 2019 | Severe Storm | Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides |
| April 2018 | Flood | Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides |
| March 2012 | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds and Flooding |
| May 2011 | Severe Storm | Severe Storms, Tornadoes, and Flooding |
Showing the 10 most recent of 17 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Campbell County?
Campbell County has a composite FEMA National Risk Index score of 58.3 out of 100, placing it in the Low category and the 58th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Campbell County?
The three highest-rated hazards are Tornado (Medium, $5M EAL), Lightning (Medium, $854K EAL), Landslide (Low, $10K EAL). These account for most of the county's expected annual losses.
How does Campbell County compare to other Kentucky counties?
Campbell County ranks #34 of 120 Kentucky counties for overall natural disaster risk, with a low rating.
How many federally declared disasters has Campbell County had?
FEMA records 17 federal disaster declarations for Campbell County since 1993, most often 8 for severe storm events and 2 for biological 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. Campbell County's $26M EAL is a statistical average, not a guarantee for any specific year or address.