Risk Index · Fayette County · 2026-06-13
Lexington, KY real-estate risk
- Risk score
- 92/100
- Relatively Moderate
- Expected annual loss
- $113M
- all hazards, county-wide
- Buildings-only loss
- $70M
- what owners and insurers carry
- Population
- 322K
- Fayette County
Lexington, KY (Fayette County) carries a FEMA National Risk Index score of 92/100, rated "Relatively Moderate" and driven mainly by tornado and strong wind, with roughly $113M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Tornado98
- Strong wind95.1
- Hail93.1
- Earthquake93
- Riverine flood92.7
- Heat wave87
- Hurricane57
- Wildfire26.9
- Drought22
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Lexington risk questions
Is Lexington, KY a high-risk area for real estate?
Lexington scores 92/100 on FEMA's National Risk Index, rated "Relatively Moderate" versus all US counties. Its expected natural-hazard loss is about $113M per year.
What is the biggest natural hazard in Lexington?
The highest-rated hazard is tornado (98/100), followed by strong wind (95.1/100).
How does hazard risk affect property insurance in Lexington?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.