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Risk: Relatively Low

Wayne County, KY Environment & Hazard Risk

Relatively Low natural hazard risk, led by cold wave. 380 storm events since 1996.

Expected yearly loss
$11.7M
Very Low nationally
Storm events since 1996
380
Most often thunderstorm wind
Flood insurance policies
8
0.1% of homes
Hurricanes nearby
0
3 tropical storms or stronger since 1979

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 54.7 of 100

Social vulnerability

Very High

Score 90.0 of 100

Community resilience

Relatively Low

Score 21.9 of 100

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

Building value exposed: $4B · Agriculture value exposed: $74.6M · Risk-adjusted yearly loss: $18.9M

Risk by hazard

  • Cold waveRelatively High$5M/yr expected annual loss, about once every 1 year
  • LandslideRelatively Low$11.5K/yr expected annual loss, about 1.1 events a year
  • Winter weatherRelatively Moderate$142K/yr expected annual loss, about 12 events a year
  • HailRelatively Low$328K/yr expected annual loss, about 3.0 events a year
  • LightningRelatively Moderate$218K/yr expected annual loss, about 55 events a year
  • EarthquakeVery Low$264K/yr expected annual loss, about once every 525 years
  • Strong windRelatively Moderate$389K/yr expected annual loss, about 5.5 events a year
  • HurricaneVery Low$59.2K/yr expected annual loss, about once every 29 years
  • TornadoRelatively Low$638K/yr expected annual loss, about once every 4 years
  • Heat waveRelatively Low$159K/yr expected annual loss, about 2.9 events a year
  • WildfireVery Low$14.6K/yr expected annual loss, about once every 801 years
  • Ice stormRelatively Low$26.4K/yr expected annual loss, about once every 3 years
  • DroughtVery Low$17.7K/yr expected annual loss, about 7.6 events a year

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
8 of 11,256 (0.1%)
Homes in high-risk flood zones
124
Insured in high-risk zones
7 (6%)
Flood claims since 1978
1
Claims paid since 1978
$3,107

Storm history

Since 1996: 380 events, 1 death, $2.8M in damage

  • Thunderstorm Wind193
  • Hail53
  • Flash Flood22
  • Winter Weather18
  • Heavy Snow17
  • High Wind13
  • Frost/Freeze11
  • Winter Storm9
  • Flood8
  • Strong Wind7
Beta

Events per year

Storm events per year in Wayne County
8
12
17
38
21
18
13
7
18
12
4
6
11
6
20
16
8
17
17
3
Beta

9 tornadoes on record (EF1 1, EF2 2, F2 1, F3 2, F4 3).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Extreme Cold/Wind Chill02/19/2015

    Wayne

    1 death

    What happened

    Wayne County Coroner said 70-year-old Tensley Couch died Thursday afternoon in the snow outside of his home in the Jabez community. His cause of death is believed to be cold weather and exertion. The coroner said Couch came home from the store and when his truck became stuck about 150 feet from his home, he tried to walk the rest of the way. Couch collapsed and died about 50 feet from his front door.

  • TornadoEF2, 7.31 mi path, 400 yd wide04/11/2008

    Wait, Wayne County

    1 injured, $1.5M damage

    What happened

    An EF2 tornado with maximum winds near 130 mph entered Wayne County from Clinton County along Pleasant Ridge Road. The tornado maintained a continuous 7 mile track east northeast before lifting 1.5 miles southwest of Monticello near Furnace Mountain.

  • Hail2.75" hail04/28/2002

    Monticello, Wayne County

    1 injured, $500 damage

    What happened

    Windows were busted from large hail.

  • TornadoEF2, 0.25 mi path, 100 yd wide05/02/2010

    Betsey, Wayne County

    $50K damage

    What happened

    An EF2 tornado touched down 1 mile south of Betsey in the Meadow Creek area. The tornado had a path length of 1/4 of a mile and a path width of 100 yards. The estimated wind speeds associated with the tornado were 110 to 120 mph. The tornado downed numerous trees. The twister also blew part of the roof off of a brick home, causing the corner of an outside wall to collapse.

  • TornadoF2, 3.6 mi path, 100 yd wide04/17/1998

    Mt Pisgah, Wayne County

    $15K damage

    What happened

    The path of the tornado was intermittent. It first touched down in extreme southeast Wayne County, and then moved northeast across McCreary County. The tornado downed numerous trees in both Wayne and McCreary Counties. In Wayne County the tornado damaged a barn and several outbuildings, and overturned a vehicle. Before lifting the tornado hit Smithtown in McCreary County and damaged several mobile homes, houses and outbuildings.

Drinking water

1 community water system serve about 21,000 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.

Pollution sites

0 Superfund sites and 0 toxic release facilities in Wayne County

No Superfund sites or toxic release facilities in Wayne County in our data.

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

Frequently asked questions

How risky is Wayne County for natural disasters?
FEMA rates Wayne County relatively low for overall natural hazard risk, with expected losses of $11.7M a year. The highest-rated hazards are cold wave (relatively high), landslide (relatively low), winter weather (relatively moderate).
What storms are most common in Wayne County?
Since 1996, NOAA recorded 380 storm events affecting Wayne County, most often thunderstorm wind (193), hail (53), flash flood (22).
How many tornadoes have hit Wayne County?
9 tornadoes have been recorded in Wayne County since 1950, including 5 rated F3/EF3 or stronger.
How many homes in Wayne County have flood insurance?
8 residential flood insurance policies are in force in Wayne County, covering about 0.1% of homes. The program has paid $3,107 on 1 claim here since 1978.
What is the weather like in Wayne County?
At Monticello 3 NE, average highs reach 86°F in Jul and lows fall to 26°F in Jan, with 52.5 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.

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