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Risk: Very Low

Henry County, KY Environment & Hazard Risk

Very Low natural hazard risk, led by strong wind. 227 storm events since 1996.

Expected yearly loss
$6.19M
Very Low nationally
Storm events since 1996
227
Most often thunderstorm wind
Flood insurance policies
28
0.5% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 15.7 of 100

Social vulnerability

Relatively Low

Score 37.8 of 100

Community resilience

Relatively Moderate

Score 51.5 of 100

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

Building value exposed: $3.1B · Agriculture value exposed: $39.43M · Risk-adjusted yearly loss: $6.42M

Risk by hazard

  • Strong windRelatively Moderate$865K/yr expected annual loss, about 6.0 events a year
  • TornadoRelatively Low$1.26M/yr expected annual loss, about once every 5 years
  • EarthquakeVery Low$187K/yr expected annual loss, about once every 491 years
  • LightningRelatively Low$154K/yr expected annual loss, about 51 events a year
  • Ice stormRelatively Low$39.18K/yr expected annual loss, about once every 1 year
  • LandslideVery Low$281/yr expected annual loss, about once every 2 years
  • Cold waveRelatively Low$369K/yr expected annual loss, about 1.4 events a year
  • DroughtVery Low$7,042/yr expected annual loss, about 2.9 events a year
  • Heat waveVery Low$67.14K/yr expected annual loss, about 4.4 events a year
  • Winter weatherVery Low$13.21K/yr expected annual loss, about 10 events a year
  • HailVery Low$43.44K/yr expected annual loss, about 3.5 events a year
  • HurricaneVery Low$1,762/yr expected annual loss, about once every 132 years
  • WildfireVery Low$1,879/yr expected annual loss, about once every 29,453 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
28 of 5,957 (0.5%)
Homes in high-risk flood zones
84
Insured in high-risk zones
24 (29%)
Flood claims since 1978
32
Claims paid since 1978
$575K

Flood claims paid per year

Flood claims paid per year in Henry County
  • Flooding$262K · 17 claims
  • Central U.S. April Flooding$169K · 3 claims
  • Heavy rains$47.03K · 3 claims

Storm history

Since 1996: 227 events, 0 deaths, $7.23M in damage

  • Thunderstorm Wind103
  • Hail42
  • Flash Flood18
  • Winter Storm16
  • Heavy Snow15
  • Flood9
  • Tornado8
  • Frost/Freeze6
  • Ice Storm4
  • High Wind3

Events per year

Storm events per year in Henry County
2
12
4
12
8
3
2
16
11
18
13
13
4
5
3
5
5
4
5
11

17 tornadoes on record (EF1 6, EF3 1, F0 3, F1 3, F2 2, F3 2).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • TornadoF2, 7.8 mi path, 300 yd wide05/28/2004

    Smithfield, Henry County

    2 injured, $2.5M damage

    What happened

    The tornado first touched down IN an open area east of Smithfield in southwest Henry County. It then moved east and crossed highway 55 north of Eminence. The tornado reached its maximum intensity as it moved between U.S. 421 and the Eminence-Point Pleasant Road. The tornado finally crossed Sweeney Lane and weakened or lifted. South of the tornado path, straight line winds caused some structural damage along with widespread tree damage. Twenty-five homes were destroyed in the storm, and 326 others received some degree of damage.

  • Thunderstorm Wind50 kt wind04/20/1996

    Drennon, Henry County

    3 injured, $15K damage

    What happened

    A roof collapsed, and a mobile home was destroyed due to thunderstorm winds. 3 men received minor injuries.

  • Flood03/01/1997

    Henry

    $2.1M damage

    What happened

    Record 24 hour rainfall from early March 1 through early March 2 at most spots on the order of 6 to 12 inches caused widepread flooding with numerous roads water covered and closed and hundreds of rescues from cars trapped in water and people trapped in flooded homes. All of these counties were declared federal disaster areas and received federal aid. Damage estimates include flash flooding damage as well. Many homes and businesses were effected.

  • Thunderstorm Wind56 kt wind04/12/2019

    Lacie, Henry County

    2 injured, $15K damage

    What happened

    Two children were on their way to school driving east of Campbellsburg on Bishops Lane when a tree blew down in front of their car. The driver stopped the vehicle, so they wouldn't hit the tree. After stopping, another tree blew down on their vehicle. The two children had to be rescued by the fire department. After the crash, one child was wearing a neck brace due to a neck injury. The other child had an ongoing headache.

  • TornadoEF3, 2.26 mi path, 150 yd wide02/28/2011

    Bellview, Henry County

    1 injured, $500K damage

    What happened

    A NWS storm survey confirmed an EF-3 tornado with wind speeds of up to 140 mph in Henry county. The tornado touched down just to the southwest of KY 1899 (Mulberry Pike), crossing into Springhill Estates subdivision. Two homes were destroyed here along with three outbuildings. Trees were uprooted and snapped. The tornado then weakened as it traveled across KY 1359. Fifteen power poles were blown down along the highway. One barn was destroyed and another had the roof blown off. The tornado continued across KY 22 where trees were blown down and one outbuilding was damaged. The tornado lifted near Drennon Creek.

  • Flood03/02/1997

    Henry

    $1.1M damage

    What happened

    Record to near record rainfall from early March 1 through March 2 caused the highest flooding on the Kentucky River at Frankfort since 1937 with the river cresting at 45.2 feet at 1 pm est March 3 (flood stage is 31 feet). Meanwhile, further south where rain totals were not as high, the flooding was only minor. The river at Highbridge crested at 37.4 feet at 7 pm est March 2 (flood stage is 30 feet). At Ford, the river only reached 27.1 feet at 8 pm est March 5 (flood stage is 26 feet). Numerous rescues were made during both the flash flooding and the flooding along the Kentucky River. The flooding was particularly bad along Elkhorn Creek in Franklin county where many two-story houses had water up to the second floor and at least 75 rescues were made. A 50 year old man was killed around 9 am est March 2 as he attempted to cross a flooded road. His car was swept into Elkhorn Creek, a tributary of the Kentucky River, and he drowned as he attempted to swim for safety. The town of Burgin in southeastern Mercer county also had many homes with water coming in. Damage amounts also include flooding and flash flooding damage from March 1 through March 2.

Latest storm reports

Newest first

  • Thunderstorm Wind52 kt wind07/28/2026

    New Castle, Henry County

  • Thunderstorm Wind50 kt wind06/18/2026

    Lacie, Henry County

  • Thunderstorm Wind50 kt wind05/20/2026

    Eminence, Henry County

  • Thunderstorm Wind50 kt wind05/20/2026

    Bethlehem, Henry County

  • Thunderstorm Wind50 kt wind05/20/2026

    Eminence, Henry County

  • Thunderstorm Wind50 kt wind05/17/2026

    Lockport, Henry County

  • Thunderstorm Wind50 kt wind05/17/2026

    Port Royal, Henry County

  • Thunderstorm Wind50 kt wind05/17/2026

    New Castle, Henry County

Drinking water

3 community water systems serve about 22,370 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 Crestwood 4ne, 16 mi from the county center

Summer highs peak around 88°F in Jul and winter lows bottom out near 23°F in Jan. About 52.9 inches of rain falls in a typical year.

MonthHighLowRain
Jan41°F23°F3.65 in
Feb45°F27°F3.65 in
Mar56°F33°F4.80 in
Apr68°F44°F5.15 in
May77°F54°F5.90 in
Jun85°F62°F5.06 in
Jul88°F65°F4.73 in
Aug87°F64°F3.96 in
Sep81°F56°F3.64 in
Oct68°F45°F3.99 in
Nov54°F34°F3.81 in
Dec44°F27°F4.53 in
Year55°F average52.9 in

Pollution sites

0 Superfund sites and 4 toxic release facilities in Henry County

Superfund sites

None in this county.

Toxic release facilities

Total: 209,823 lbs in 2024, 369 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk7 historic places

Frequently asked questions

How risky is Henry County for natural disasters?
FEMA rates Henry County very low for overall natural hazard risk, with expected losses of $6.19M a year. The highest-rated hazards are strong wind (relatively moderate), tornado (relatively low), earthquake (very low).
What storms are most common in Henry County?
Since 1996, NOAA recorded 227 storm events affecting Henry County, most often thunderstorm wind (103), hail (42), flash flood (18).
How many tornadoes have hit Henry County?
17 tornadoes have been recorded in Henry County since 1950, including 3 rated F3/EF3 or stronger.
How many homes in Henry County have flood insurance?
28 residential flood insurance policies are in force in Henry County, covering about 0.5% of homes. The program has paid $575K on 32 claims here since 1978.
What is the weather like in Henry County?
At Crestwood 4ne, average highs reach 88°F in Jul and lows fall to 23°F in Jan, with 52.9 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.