Risk Index · Jefferson County · 2026-06-13
Louisville, KY real-estate risk
- Risk score
- 98.3/100
- Relatively High
- Expected annual loss
- $342M
- all hazards, county-wide
- Buildings-only loss
- $248M
- what owners and insurers carry
- Population
- 783K
- Jefferson County
Louisville, KY (Jefferson County) carries a FEMA National Risk Index score of 98.3/100, rated "Relatively High" and driven mainly by tornado and riverine flood, with roughly $342M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Tornado99.7
- Riverine flood99.1
- Heat wave96.9
- Earthquake96.8
- Strong wind90.8
- Hail89.7
- Wildfire56.1
- Hurricane35.8
- Drought21.2
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.
Louisville risk questions
Is Louisville, KY a high-risk area for real estate?
Louisville scores 98.3/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $342M per year.
What is the biggest natural hazard in Louisville?
The highest-rated hazard is tornado (99.7/100), followed by riverine flood (99.1/100).
How does hazard risk affect property insurance in Louisville?
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.