riskbycounty
FEMA National Risk Index

Hart County Disaster Risk

Hart County, Kentucky

FEMA Risk Rating

Very Low

National Percentile

41th

of 3,144 counties

State Rank

#56

of 120 (1 = highest risk)

Flood Risk

50th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Relatively Low

Higher than 50% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Very Low

Higher than 11% of US counties

Tornado

Tornado and severe thunderstorm risk

Relatively Low

Higher than 64% of US counties

Earthquake

Seismic activity and ground shaking risk

Relatively Low

Higher than 63% of US counties

Hurricane

Tropical cyclone and hurricane risk

Very Low

Higher than 38% of US counties

Risk Advisory: Hart County

Risk Verdict

Hart County has a very low overall disaster risk profile, scoring in the 41th percentile nationally. This county is among the safer counties in the United States from a natural disaster perspective, though no area is entirely risk-free.

Hazard Breakdown

Tornado risk is the dominant hazard for Hart County, scoring in the 64th percentile nationally. It is followed by earthquake risk at the 63th percentile. Additional hazards include flood (50th), hurricane (38th), wildfire (11th).

Preparedness Context

With tornado risk as the top concern, Hart County residents should identify a safe room or interior space on the lowest floor, have a NOAA weather radio, and practice tornado drills with your household. Secondary risks such as earthquake also warrant attention in household and community preparedness planning. FEMA recommends all households maintain at least 72 hours of food, water, and medication supplies regardless of specific hazard exposure.

Regional Context

Hart County has a disaster risk profile close to the average county in Kentucky. Its composite risk score is within 3.1 points of the state average, meaning its overall hazard exposure is broadly representative of Kentucky as a whole.

Is your home insured against Hart County's risks?

Compare home and flood insurance quotes in minutes.

Get Quotes →

Sponsored

Frequently Asked Questions

What is the natural disaster risk in Hart County, KY?
Hart County has a FEMA National Risk Index rating of Very Low, placing it in the 41th 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 Hart County?
Hart County is evaluated for five major natural hazard types: tornado (64th percentile), earthquake (63th percentile), flooding (50th percentile), hurricane (38th percentile), wildfire (11th percentile). The highest-risk hazard is tornado at the 64th 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 Hart County risk compare to the Kentucky average?
Hart County's composite risk percentile is 41th, compared to the Kentucky state average of 44th percentile. The state's overall risk rating is Relatively Low. This means Hart County faces lower natural disaster risk than the typical county in Kentucky.
Is Hart County at risk for tornado?
Yes, Hart County's tornado risk is at the 64th percentile nationally. This is above the national median. For flooding specifically, Hart County is at the 50th percentile.
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.
Is Hart County a safe place to live?
Hart County's composite risk score of 41th percentile is below the Kentucky state average of 44th percentile, indicating relatively lower exposure to natural hazards. However, no county is completely risk-free. The primary hazard type is tornado at the 64th percentile. Residents should still maintain emergency preparedness plans and appropriate insurance coverage.

Counties with Similar Risk

Meade County

Kentucky

-0.2

Very Low

41th percentile

Mercer County

Kentucky

+0.3

Very Low

41th percentile

Lewis County

Kentucky

+0.3

Very Low

41th percentile

By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

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.

Explore more data for Hart County

Property TaxCost of LivingCrime RateIncomeHealthSchoolsWater QualityWeatherCounty Score