Hart County
Kentucky — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 41th
Hart County faces very low composite natural disaster risk (NRI Risk Index score 41.1, 41th national percentile), driven primarily by hail and ice storm exposure. Expected annual loss across all 18 hazard types is $10M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Hail | Medium | 3.11 / yr | $868K |
| Ice Storm | Medium | 0.87 / yr | $144K |
| Strong Wind | Medium | 6.40 / yr | $653K |
| Tornado | Low | 0.27 / yr | $2M |
| Earthquake | Low | 0.00 / yr | $416K |
| Riverine Flood | Low | 1.32 / yr | $5M |
| Cold Wave | Low | 0.89 / yr | $693K |
| Landslide | Very Low | 0.77 / yr | $775 |
| Winter Weather | Low | 7.68 / yr | $39K |
| Heat Wave | Low | 5.11 / yr | $179K |
| Lightning | Low | 54.07 / yr | $124K |
| Hurricane | Very Low | 0.02 / yr | $20K |
| Drought | Low | 2.32 / yr | $28K |
| Wildfire | Very Low | 0.00 / 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 |
Frequently Asked Questions
What is the overall natural disaster risk for Hart County?
Hart County has a composite FEMA National Risk Index score of 41.1 out of 100, placing it in the Very Low category and the 41th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Hart County?
The three highest-rated hazards are Hail (Medium, $868K EAL), Ice Storm (Medium, $144K EAL), Strong Wind (Medium, $653K EAL). These account for most of the county's expected annual losses.
How does Hart County compare to other Kentucky counties?
Hart County ranks #56 of 120 Kentucky counties for overall natural disaster risk, with a very low rating.
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. Hart County's $10M EAL is a statistical average, not a guarantee for any specific year or address.