Harlan County Disaster Risk

Harlan County, Kentucky

FEMA Risk Rating

Relatively Low

National Percentile

66th

of 3,144 counties

State Rank

#28

of 120 (1 = highest risk)

Flood Risk

80th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Relatively Low

Higher than 80% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Relatively Low

Higher than 70% of US counties

Tornado

Tornado and severe thunderstorm risk

Very Low

Higher than 39% of US counties

Earthquake

Seismic activity and ground shaking risk

Relatively Low

Higher than 56% of US counties

Hurricane

Tropical cyclone and hurricane risk

Very Low

Higher than 43% of US counties

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Frequently Asked Questions

What is the natural disaster risk in Harlan County, KY?
Harlan County has a FEMA National Risk Index rating of Relatively Low, placing it in the 66th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect Harlan County?
Harlan County is evaluated for five major natural hazard types: flooding (80th percentile), wildfire (70th percentile), earthquake (56th percentile), hurricane (43th percentile), tornado (39th percentile). The highest-risk hazard is flooding at the 80th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does Harlan County risk compare to the Kentucky average?
Harlan County's composite risk percentile is 66th, compared to the Kentucky state average of 44th percentile. The state's overall risk rating is Relatively Low. This means Harlan County faces higher natural disaster risk than the typical county in Kentucky.
Is Harlan County at risk for flooding?
Yes, Harlan County's flooding risk is at the 80th percentile nationally. This places it in the top quartile for this hazard type.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Why is Harlan County higher risk than average?
Harlan County's composite risk score of 66th percentile is above the Kentucky state average of 44th percentile. This elevated risk is driven by flooding exposure (80th percentile), along with wildfire and earthquake risk. Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.