Todd County, Kentucky Natural Disaster Risk
FEMA National Risk Index assessment · KY
Very LowComposite Risk Score
National percentile: 29th
Todd County faces very low composite natural disaster risk (NRI Risk Index score 28.6, 29th national percentile), driven primarily by ice storm and earthquake exposure. Expected annual loss across all 18 hazard types is $10M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
Todd County carries a very low composite natural disaster risk, with a National Risk Index score of 28.6 out of 100 — placing it in the 29th national percentile and among the lowest-risk counties in the country. 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 ice storm (freezing rain that coats surfaces in heavy, damaging ice) at Medium risk — $431K in expected annual loss and about 0.93 events per year; earthquake (ground shaking from sudden movement along geologic faults) at Low risk — $1M in expected annual loss and about 0.00 events per year; and hail (ice stones from severe thunderstorms that damage property and crops) at Low risk — $630K in expected annual loss and about 3.12 events per year. Across all hazards, FEMA estimates $10M in expected annual loss for a population of 12K.
Beyond physical exposure, Todd County has a low 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). Both measures sit toward the lower end, indicating relatively modest population sensitivity.
The federal record bears this out: Todd County has received 20 federal disaster declarations since 1969, including 9 for severe storm events and 3 for snowstorm events. The most recent was Severe Winter Storm (winter storm), declared in January 2026.
Among 120 Kentucky counties, Todd County ranks #89 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Ice Storm | Medium | 0.93 / yr | $431K |
| Earthquake | Low | 0.00 / yr | $1M |
| Hail | Low | 3.12 / yr | $630K |
| Drought | Medium | 4.93 / yr | $424K |
| Tornado | Low | 0.32 / yr | $2M |
| Strong Wind | Low | 5.37 / yr | $571K |
| Cold Wave | Low | 0.79 / yr | $881K |
| Heat Wave | Low | 8.47 / yr | $244K |
| Hurricane | Very Low | 0.01 / yr | $15K |
| Riverine Flood | Very Low | 1.93 / yr | $4M |
| Lightning | Low | 55.38 / yr | $104K |
| Landslide | Very Low | 0.25 / yr | $134 |
| Winter Weather | Very Low | 6.47 / yr | $14K |
| Wildfire | Very Low | 0.00 / yr | $1K |
| 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
Todd County has received 20 federal disaster declarations since 1969, most recently Severe Winter Storm in January 2026. Most frequent causes: Severe Storm (9), Snowstorm (3), Biological (2).
| Declared | Type | Disaster |
|---|---|---|
| January 2026 | Winter Storm | Severe Winter Storm |
| May 2025 | Severe Storm | Severe Storms, Straight-Line Winds, and Tornadoes |
| 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 |
| July 2024 | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, Landslides, and Mudslides |
| April 2023 | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides |
| December 2021 | Tornado | Severe Storms, Straight-Line Winds, Flooding, and Tornadoes |
| March 2020 | Biological | Covid-19 Pandemic |
| March 2020 | Biological | Covid-19 |
Showing the 10 most recent of 20 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Todd County?
Todd County has a composite FEMA National Risk Index score of 28.6 out of 100, placing it in the Very Low category and the 29th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Todd County?
The three highest-rated hazards are Ice Storm (Medium, $431K EAL), Earthquake (Low, $1M EAL), Hail (Low, $630K EAL). These account for most of the county's expected annual losses.
How does Todd County compare to other Kentucky counties?
Todd County ranks #89 of 120 Kentucky counties for overall natural disaster risk, with a very low rating.
How many federally declared disasters has Todd County had?
FEMA records 20 federal disaster declarations for Todd County since 1969, most often 9 for severe storm events and 3 for snowstorm 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. Todd County's $10M EAL is a statistical average, not a guarantee for any specific year or address.