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Risk: Relatively Moderate

Fayette County, KY Environment & Hazard Risk

Relatively Moderate natural hazard risk, led by tornado. 452 storm events since 1996.

Expected yearly loss
$113M
Relatively Moderate nationally
Storm events since 1996
452
Most often thunderstorm wind
Flood insurance policies
365
0.4% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Moderate

Score 92.0 of 100

Social vulnerability

Relatively Low

Score 39.5 of 100

Community resilience

Relatively High

Score 75.0 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $63.6B · Agriculture value exposed: $278M · Risk-adjusted yearly loss: $118M

Risk by hazard

  • TornadoRelatively High$23.93M/yr expected annual loss, about once every 7 years
  • Cold waveRelatively High$15.68M/yr expected annual loss, about 1.3 events a year
  • Winter weatherRelatively High$876K/yr expected annual loss, about 12 events a year
  • LightningRelatively High$2.13M/yr expected annual loss, about 52 events a year
  • Strong windRelatively High$3.11M/yr expected annual loss, about 5.7 events a year
  • HailRelatively Moderate$2.3M/yr expected annual loss, about 3.1 events a year
  • EarthquakeRelatively Moderate$8.92M/yr expected annual loss, about once every 486 years
  • Ice stormRelatively High$1.05M/yr expected annual loss, about once every 1 year
  • Heat waveRelatively Moderate$2.37M/yr expected annual loss, about 2.7 events a year
  • HurricaneVery Low$149K/yr expected annual loss, about once every 56 years
  • WildfireVery Low$12K/yr expected annual loss, about once every 14,209 years
  • DroughtVery Low$6,465/yr expected annual loss, about 2.6 events a year
  • LandslideVery Low$54/yr expected annual loss, about once every 10 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
365 of 103,386 (0.4%)
Homes in high-risk flood zones
0
Flood claims since 1978
457
Claims paid since 1978
$5.44M

Flood claims paid per year

Flood claims paid per year in Fayette County
  • Flooding$621K · 83 claims
  • Not a named storm$327K · 21 claims
  • Central U.S. April Flooding$233K · 4 claims
  • Heavy rains$80.06K · 11 claims
  • February Kentucky Flooding$56.65K · 4 claims
  • Hurricane Helene$0 · 1 claim

Storm history

Since 1996: 452 events, 9 deaths, $37.86M in damage

  • Thunderstorm Wind245 · 1 death
  • Hail56
  • Flash Flood55 · 2 deaths
  • Winter Storm16 · 1 death
  • High Wind15
  • Lightning14 · 1 death
  • Flood14
  • Heavy Snow14
  • Frost/Freeze6
  • Ice Storm6

Events per year

Storm events per year in Fayette County
24
19
13
13
11
12
23
24
24
18
18
32
6
8
8
23
22
14
18
13

9 tornadoes on record (F0 2, F1 4, F2 2, F3 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flash Flood09/23/2006

    Lexington, Fayette County

    2 deaths

    What happened

    Two women were knocked down and swept away by rapidly flowing water, after trying to cross a flooded intersection. Sixty intersections in town were covered by high water, some with water depths up to three or four feet. Interstate 75 at mile marker 115 was flooded. Interstate 64 at mile marker 81 also had high water.

  • Ice Storm02/16/2003

    Fayette

    $18M damage

    What happened

    Light to occasionally moderate freezing rain began on the evening of the 15th, and continued through the evening of the 16th. Reports of ice accumulations of an inch were common along and north of Interstate 64, from Frankfort to Winchester. The hardest hit areas were in and around the cities of Frankfort and Lexington, where up to an inch and a quarter of ice accumulation was observed. A 78 year old male in Lawrenceburg in Anderson County died of injuries sustained when he was struck by a falling, ice covered, tree limb. After the storm, it is estimated that nearly 125,000 residents were without power for up to five days or more. Most of the property damage was reported in the Lexington area. A great deal of the monetary damage was for cleanup and restoration of power in the days after the storm.

  • TornadoF3, 3 mi path, 100 yd wide05/28/2004

    Blue Grass Lex Arpt, Fayette County

    6 injured, $7.5M damage

    What happened

    The tornado first touched down just east of Masterson Station Park on the subdivision road of Buck Lane. It continued east through the subdivision, causing F2 damage. The tornado then crossed an open field and creek, entering another subdivision. It appeared that the tornado reached its maximum F3 intensity in this section of the path. The tornado was on the ground intermittently as it moved to the east northeast. It struck a single house on State Road 1978, doing F2 damage. It crossed Georgetown Road and struck another subdivision near Citation Boulevard, doing F1 to F2 damage. It continued for a short distance into a field, and then lifted. There was straight line wind damage to the south of the tornado path, and additional straight line wind damage to the east after the tornado lifted. The tornado damaged 15 homes to some degree, and at least 50 home received moderate to severe damage. The hardest hit area was the Masterson Station subdivision.

  • Cold/Wind Chill01/11/2016

    Fayette

    1 death, 1 injured

    What happened

    Bitterly cold temperatures encompassed central Kentucky during the morning hours of January 11th. Widespread lows were in the single digits to low teens and Bluegrass Airport in Lexington recorded a minimum temperature of 10 degrees. A slight breeze kept wind chill values in the single digits above and below zero. A local homeless man was found unresponsive in downtown Lexington and later pronounced dead. The Fayette County Coroner's office determined alcohol and exposure to the cold leading to hypothermia contributed to his death.

  • Winter Weather12/23/2008

    Fayette

    1 death, $100K damage

    What happened

    Light freezing rain brought a rash of accidents on highways around the Lexington area. Broadcast media reported at least 50 accidents from early afternoon into the evening. Interstates 71, 75 and the Interstate 275 loop were reported as virtually impassable. An out-of-state driver was killed on Interstate 75 in Lexington when his vehicle was struck by another.

  • Cold/Wind Chill02/15/2015

    Fayette

    1 death

    What happened

    A woman slipped and fell in the parking lot of her apartment after leaving a friend's home. Her body was found the next morning. The coroner ruled her death to be exposure and hypothermia. The low temperature at the Lexington ASOS that morning was 4 degrees.

Latest storm reports

Newest first

  • Thunderstorm Wind55 kt wind07/07/2026

    Coletown, Fayette County

  • Flash Flood07/07/2026

    East Hickman, Fayette County

  • Flash Flood06/22/2026

    Lexington, Fayette County

  • Flash Flood06/22/2026

    Cadentown, Fayette County

  • Flash Flood06/22/2026

    Lexington, Fayette County

  • Flash Flood06/22/2026

    Lexington, Fayette County

  • Flash Flood06/22/2026

    Lexington, Fayette County

  • Thunderstorm Wind55 kt wind04/28/2026

    (Lex)blu Grs Fld Lex, Fayette County

Drinking water

1 community water system serve about 669,042 people. Violations since 2021.

None of the systems serving this county had a health-based violation in this period.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Lexington Bluegrass AP, 7.4 mi from the county center

Summer highs peak around 87°F in Jul and winter lows bottom out near 25°F in Jan. About 49.8 inches of rain falls in a typical year, with 14.5 inches of snow.

MonthHighLowRainSnow
Jan42°F25°F3.42 in4.7 in
Feb47°F28°F3.64 in4.5 in
Mar56°F36°F4.48 in2.8 in
Apr67°F45°F4.42 in0.2 in
May76°F55°F5.44 in-
Jun84°F63°F4.96 in-
Jul87°F67°F5.12 in-
Aug86°F65°F3.71 in-
Sep80°F58°F3.42 in-
Oct69°F47°F3.66 in-
Nov56°F36°F3.37 in0.4 in
Dec46°F30°F4.20 in1.9 in
Year56°F average49.8 in14.5 in

Pollution sites

0 Superfund sites and 9 toxic release facilities in Fayette County

Superfund sites

None in this county.

Toxic release facilities

Total: 14,853 lbs in 2024, 7,645 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk119 historic places

Frequently asked questions

How risky is Fayette County for natural disasters?
FEMA rates Fayette County relatively moderate for overall natural hazard risk, with expected losses of $113M a year. The highest-rated hazards are tornado (relatively high), cold wave (relatively high), winter weather (relatively high).
What storms are most common in Fayette County?
Since 1996, NOAA recorded 452 storm events affecting Fayette County, most often thunderstorm wind (245), hail (56), flash flood (55).
How many tornadoes have hit Fayette County?
9 tornadoes have been recorded in Fayette County since 1950, including 1 rated F3/EF3 or stronger.
How many homes in Fayette County have flood insurance?
365 residential flood insurance policies are in force in Fayette County, covering about 0.4% of homes. The program has paid $5.44M on 457 claims here since 1978.
What is the weather like in Fayette County?
At Lexington Bluegrass AP, average highs reach 87°F in Jul and lows fall to 25°F in Jan, with 49.8 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.