riskbycounty
FEMA National Risk Index

Oldham County Disaster Risk

Oldham County, Kentucky

FEMA Risk Rating

Relatively Low

National Percentile

56th

of 3,144 counties

State Rank

#36

of 120 (1 = highest risk)

Flood Risk

60th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Relatively Low

Higher than 60% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Very Low

Higher than 17% of US counties

Tornado

Tornado and severe thunderstorm risk

Moderate

Higher than 86% 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 9% of US counties

Risk Advisory: Oldham County

Risk Verdict

Oldham County shows a relatively low overall disaster risk profile, scoring in the 56th percentile nationally. The county faces moderate hazard exposure relative to other U.S. counties. Standard emergency preparedness is recommended, with attention to the specific hazards that dominate locally.

Hazard Breakdown

Tornado risk is the dominant hazard for Oldham County, scoring in the 86th percentile nationally. It is followed by flood risk at the 60th percentile. Additional hazards include earthquake (56th), wildfire (17th), hurricane (9th).

Preparedness Context

With tornado risk as the top concern, Oldham 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 flood 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

Oldham County is significantly riskier than the average county in Kentucky. Its composite risk score is 11.8 points higher than the state average, meaning residents face above-average exposure to natural hazards compared to their neighbors.

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Frequently Asked Questions

What is the natural disaster risk in Oldham County, KY?
Oldham County has a FEMA National Risk Index rating of Relatively Low, placing it in the 56th 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 Oldham County?
Oldham County is evaluated for five major natural hazard types: tornado (86th percentile), flooding (60th percentile), earthquake (56th percentile), wildfire (17th percentile), hurricane (9th percentile). The highest-risk hazard is tornado at the 86th 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 Oldham County risk compare to the Kentucky average?
Oldham County's composite risk percentile is 56th, compared to the Kentucky state average of 44th percentile. The state's overall risk rating is Relatively Low. This means Oldham County faces higher natural disaster risk than the typical county in Kentucky.
Is Oldham County at risk for tornado?
Yes, Oldham County's tornado risk is at the 86th percentile nationally. This places it in the top quartile for this hazard type. For flooding specifically, Oldham County is at the 60th 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.
Why is Oldham County higher risk than average?
Oldham County's composite risk score of 56th percentile is above the Kentucky state average of 44th percentile. This elevated risk is driven by tornado exposure (86th percentile), along with flooding and earthquake risk. Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.

Counties with Similar Risk

Scott County

Kentucky

+0.1

Relatively Low

56th percentile

Nelson County

Kentucky

-0.8

Relatively Low

55th percentile

Wayne County

Kentucky

-1.3

Relatively Low

55th 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.

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