Oldham County
Kentucky — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 56th
Oldham County faces low composite natural disaster risk (NRI Risk Index score 56.0, 56th national percentile), driven primarily by strong wind and tornado exposure. Expected annual loss across all 18 hazard types is $29M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Strong Wind | High | 6.14 / yr | $3M |
| Tornado | Medium | 0.14 / yr | $8M |
| Lightning | Medium | 51.47 / yr | $627K |
| Ice Storm | Low | 0.92 / yr | $207K |
| Riverine Flood | Low | 1.43 / yr | $14M |
| Earthquake | Very Low | 0.00 / yr | $593K |
| Cold Wave | Low | 1.37 / yr | $2M |
| Heat Wave | Very Low | 4.79 / yr | $299K |
| Winter Weather | Low | 10.21 / yr | $58K |
| Hail | Very Low | 3.41 / yr | $144K |
| Drought | Very Low | 3.05 / yr | $12K |
| Landslide | Very Low | 0.22 / yr | $233 |
| Wildfire | Very Low | 0.00 / yr | $9K |
| Hurricane | Very Low | 0.01 / yr | $2K |
| 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 Oldham County?
Oldham County has a composite FEMA National Risk Index score of 56.0 out of 100, placing it in the Low category and the 56th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Oldham County?
The three highest-rated hazards are Strong Wind (High, $3M EAL), Tornado (Medium, $8M EAL), Lightning (Medium, $627K EAL). These account for most of the county's expected annual losses.
How does Oldham County compare to other Kentucky counties?
Oldham County ranks #36 of 120 Kentucky counties for overall natural disaster risk, with a 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. Oldham County's $29M EAL is a statistical average, not a guarantee for any specific year or address.