Rowan County Disaster Risk

Rowan County, Kentucky

FEMA Risk Rating

Relatively Low

National Percentile

48th

of 3,144 counties

State Rank

#48

of 120 (1 = highest risk)

Flood Risk

67th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Relatively Low

Higher than 67% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Relatively Low

Higher than 47% of US counties

Tornado

Tornado and severe thunderstorm risk

Very Low

Higher than 41% of US counties

Earthquake

Seismic activity and ground shaking risk

Relatively Low

Higher than 46% of US counties

Hurricane

Tropical cyclone and hurricane risk

Relatively Low

Higher than 45% of US counties

Risk Advisory: Rowan County

Risk Verdict

Rowan County shows a relatively low overall disaster risk profile, scoring in the 48th 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

Flood risk is the dominant hazard for Rowan County, scoring in the 67th percentile nationally. It is followed by wildfire risk at the 47th percentile. Additional hazards include earthquake (46th), hurricane (45th), tornado (41th).

Preparedness Context

With flood risk as the top concern, Rowan County residents should review flood insurance needs (standard home insurance does not cover flood damage), know your evacuation zone, and keep important documents waterproofed. Secondary risks such as wildfire 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

Rowan County has a disaster risk profile close to the average county in Kentucky. Its composite risk score is within 3.7 points of the state average, meaning its overall hazard exposure is broadly representative of Kentucky as a whole.

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Frequently Asked Questions

What is the natural disaster risk in Rowan County, KY?
Rowan County has a FEMA National Risk Index rating of Relatively Low, placing it in the 48th 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 Rowan County?
Rowan County is evaluated for five major natural hazard types: flooding (67th percentile), wildfire (47th percentile), earthquake (46th percentile), hurricane (45th percentile), tornado (41th percentile). The highest-risk hazard is flooding at the 67th 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 Rowan County risk compare to the Kentucky average?
Rowan County's composite risk percentile is 48th, compared to the Kentucky state average of 44th percentile. The state's overall risk rating is Relatively Low. This means Rowan County faces higher natural disaster risk than the typical county in Kentucky.
Is Rowan County at risk for flooding?
Yes, Rowan County's flooding risk is at the 67th percentile nationally. This is above the national median.
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 Rowan County higher risk than average?
Rowan County's composite risk score of 48th percentile is above the Kentucky state average of 44th percentile. This elevated risk is driven by flooding exposure (67th percentile). Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.
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.