Spencer County
Kentucky — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 13th
Spencer County faces very low composite natural disaster risk (NRI Risk Index score 13.3, 13th national percentile), driven primarily by tornado and strong wind exposure. Expected annual loss across all 18 hazard types is $9M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Tornado | Low | 0.13 / yr | $3M |
| Strong Wind | Low | 6.60 / yr | $892K |
| Landslide | Very Low | 0.42 / yr | $1K |
| Earthquake | Very Low | 0.00 / yr | $243K |
| Lightning | Low | 52.19 / yr | $226K |
| Ice Storm | Low | 0.91 / yr | $60K |
| Cold Wave | Low | 1.16 / yr | $604K |
| Winter Weather | Low | 9.42 / yr | $42K |
| Riverine Flood | Very Low | 0.89 / yr | $4M |
| Heat Wave | Very Low | 4.47 / yr | $116K |
| Drought | Very Low | 1.66 / yr | $8K |
| Hail | Very Low | 3.39 / yr | $56K |
| Wildfire | Very Low | 0.00 / yr | $5K |
| 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 Spencer County?
Spencer County has a composite FEMA National Risk Index score of 13.3 out of 100, placing it in the Very Low category and the 13th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Spencer County?
The three highest-rated hazards are Tornado (Low, $3M EAL), Strong Wind (Low, $892K EAL), Landslide (Very Low, $1K EAL). These account for most of the county's expected annual losses.
How does Spencer County compare to other Kentucky counties?
Spencer County ranks #111 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. Spencer County's $9M EAL is a statistical average, not a guarantee for any specific year or address.