Hazard Plain Preview: automated baseline

Kenton County, KY

Risk-assessment baseline packet

Unit
County area 21117
Release
2026-10
As of
2026-09-28
Storm Events data through
2026-06-30

Hazard Plain is an independent product built from public federal data. It is not a FEMA document and is not reviewed or endorsed by FEMA or any state agency.

A starting point for the plan's risk assessment (FEMA Local Mitigation Plan Review Tool, Element B). It does not replace local data or FEMA review. Section headings say which FEMA review item each table supports; whether an item is satisfied is decided by the plan and its reviewers.

Hazard Plain release 2026-10, as of 2026-09-28. Independent product; not a FEMA document.

Plan clock

Status
Approved, expires 2031-04-16
Plan
Northern Kentucky ADD Regional (FEMA plan 110793)
Approved
2026-04-17
Expires
2031-04-16
As of
2026-09-28
Days
1,661 days to expiry

What changed since your last plan (approved 2026-04-17)

New federal declarations
none (0 declaration rows; 0 counted incidents)
Storm Events records since approval
2 (data through 2026-06-30)
Repetitive loss now
FMA RL 0, SRL 1 (44 CFR 77.2); any definition: 16
Repeat-flood change
First release: no prior release to compare.

Sources

FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-26T121003Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)

FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-27T010817Z, pulled 2026-09-28, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)

Plan status for every jurisdiction listed in this county: 20 rows, in the section "Plan clock: Plan status for every jurisdiction listed in this county" after these cover pages.

State plan status and tribal plans in this state: see the state page.

Plan clock

Plan status for every jurisdiction listed in this county

JurisdictionTypeStatusPlanApprovedExpiresDays to expirynegative = days since expiryUpdate underwayNotes
Kenton County (unincorporated area)UnincorporatedApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Bromley cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Covington cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Crescent Springs cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Crestview Hills cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Edgewood cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Elsmere cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Erlanger cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Fairview cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Fort Mitchell cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Fort Wright cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Independence cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Kenton Vale cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Lakeside Park cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Ludlow cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Park Hills cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Ryland Heights cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Taylor Mill cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Villa Hills cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11
Walton cityCityApproved, expires 2031-04-16Northern Kentucky ADD Regional (FEMA plan 110793)2026-04-172031-04-161,661member approved 2026-05-11

Plan 110793 also covers 41 other participants not listed on this page (named in the XLSX file).

Source

FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-26T121003Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)

Supports B1-a: hazards

Hazards NRI does not cover: check locally

  • dam failure (incl. upstream dams)
  • levee failure
  • flash flood as its own subtype
  • ice jams
  • debris flows
  • erosion (riverine and coastal)
  • land subsidence and sinkholes
  • expansive soils

The 18 National Risk Index hazards, ranked by expected annual loss (EAL)

Rank by EALHazardNRI risk ratingEAL ratingEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearEAL population equivalencestatistical value of life and injury, $13.7M per life, not property damageEAL total (see note)modeled dollars per yearStorm Events records since 1996countEvidence for an omissionNRI Not Applicable, no declaration and no Storm Events record since 1996Storm Events coverage note
1Inland FloodingRelatively ModerateRelatively Moderate$20,832,232$11,980$204,392$21,048,60580
2TornadoRelatively HighRelatively High$5,056,821$292$5,139,716$10,196,8294
3Cold WaveRelatively ModerateRelatively High$3,190$26,078$6,780,865$6,810,1344Includes 1 Frost/Freeze record, event types the NRI definition of this hazard leaves out.
4Strong WindRelatively HighRelatively High$960,729$51$2,941,248$3,902,028136Includes 11 High Wind records and 1 Strong Wind record, event types the NRI definition of this hazard leaves out.
5Heat WaveRelatively ModerateRelatively Moderate$118$13$1,960,442$1,960,5738
6EarthquakeRelatively LowRelatively Low$796,594$288,082$1,084,677Not in Storm Events. Storm Events coverage of this hazard is limited; absence is not evidence of low risk.
7LightningRelatively HighRelatively High$27,020$1,049,788$1,076,8081
8Ice StormRelatively ModerateRelatively Moderate$169,079$173,462$342,5407
9HailRelatively LowRelatively Low$242,593$2,260$3,407$248,25948
10Winter WeatherRelatively ModerateRelatively Moderate$64,916$41$50,865$115,82279
11WildfireVery LowVery Low$8,839$1$1,178$10,0180No recorded events in Storm Events since 1996 (data through 2026-06-30). Storm Events coverage of this hazard is limited; absence is not evidence of low risk.
12HurricaneVery LowVery Low$3,673$170$42$3,8850Declared 1 time; no Storm Events record of this type.
13LandslideVery LowVery Low$593$1,015$1,6080Declared 3 times; no Storm Events record of this type. Storm Events coverage of this hazard is limited; absence is not evidence of low risk.
14DroughtVery LowVery Low$1,129$1,1290No recorded events in Storm Events since 1996 (data through 2026-06-30).
AvalancheNot ApplicableNot Applicable0NRI rates avalanche Not Applicable for this county, and no federal declaration for this county names it.No recorded events in Storm Events since 1996 (data through 2026-06-30).
Coastal FloodingNot ApplicableNot Applicable0NRI rates coastal flooding Not Applicable for this county, and no federal declaration for this county names it.No recorded events in Storm Events since 1996 (data through 2026-06-30).
TsunamiNot ApplicableNot Applicable0NRI rates tsunami Not Applicable for this county, and no federal declaration for this county names it.No recorded events in Storm Events since 1996 (data through 2026-06-30). Storm Events coverage of this hazard is limited; absence is not evidence of low risk.
Volcanic ActivityNot ApplicableNot Applicable0NRI rates volcanic activity Not Applicable for this county, and no federal declaration for this county names it.No recorded events in Storm Events since 1996 (data through 2026-06-30). Storm Events coverage of this hazard is limited; absence is not evidence of low risk.

Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).

Sources

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

Check your state hazard mitigation plan's hazard list for this county; explain any hazard you drop.

Supports B1-b: location

Where each hazard occurs

HazardLocationCensus tracts ratedrated of all tracts
AvalancheCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.0 of 44
Coastal FloodingCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.0 of 44
Cold WaveAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.44 of 44
DroughtAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.3 of 44
EarthquakeCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.44 of 44
HailAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.44 of 44
Heat WaveAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.44 of 44
HurricaneCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.44 of 44
Ice StormAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.44 of 44
Inland FloodingThe FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.44 of 44
LandslideCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.44 of 44
LightningAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.44 of 44
Strong WindAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.44 of 44
TornadoCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.44 of 44
TsunamiCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.0 of 44
Volcanic ActivityCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.0 of 44
WildfireCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.43 of 44
Winter WeatherAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.44 of 44

Source

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

Supports B1-c: extent

Extent: scale, observed range and worst recorded event per hazard

HazardScaleRecordscount, yearsObserved rangeWorst recorded eventMost damaging (when different)How it applies to membersNote
Avalanchenone (count and damage)0Physical measure: in event narratives only; local data required.
Coastal Flood, Storm Surge/Tidenone in data (FIRM for depth)0Flood depth: see the FEMA Flood Insurance Rate Map.
Cold/Wind Chill, Extreme Cold/Wind Chillwind chill3, 1996 to 2022 (3 zone-level)1 day to 5 days (median 3 days); 3 with a recorded value5 consecutive days, 1996-02-01 to 1996-02-05, zone-levelZone-level records: applies countywide; national data do not locate these events within the county.Wind chill: in event narratives only; local data required.
Frost/Freeze (outside NRI Cold Wave definition)crop damage1, 2007 to 2007 (1 zone-level)Frost/Freeze, 2007-04-06, $465,000 crop damage, reported for the zone (2007 dollars); NWS zone KYZ092 (KENTON), zone-level: may include parts of neighboring countiesZone-level records: applies countywide; national data do not locate these events within the county.Temperature: in event narratives only; local data required.
DroughtUS Drought Monitor D-scale0Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only.
EarthquakeModified Mercalli (local data)0No Storm Events record; local data required (e.g., USGS).
Hailhail size (inches)53, 1960 to 20250.75 in to 2.75 in (median 0.88 in); 53 with a recorded value2.75 in hail, 1998-04-08Hail, 2016-10-19, $25,000 property; $0 crops (2016 dollars)Event records naming member places: Independence city (14 records), Erlanger city (13 records), Covington city (6 records), Fort Mitchell city (3 records), Taylor Mill city (2 records), Crescent Springs city (1 record), Park Hills city (1 record).
Excessive Heat, Heatheat index (narratives)8, 1999 to 2023 (8 zone-level)1 day to 12 days (median 3 days); 6 with a recorded value12 consecutive days, 1999-07-20 to 1999-07-31, zone-levelZone-level records: applies countywide; national data do not locate these events within the county.Heat index: in event narratives only; local data required.
Hurricane, Tropical Storm, Tropical DepressionSaffir-Simpson0Storm Events files every zone of a storm's episode under the storm's event type and category, so a Hurricane (Typhoon) record, especially an inland or remnant one, does not by itself mean hurricane-force winds here; read the damage and wind columns.
Ice StormSperry-Piltz (local data)7, 1996 to 2018 (7 zone-level)No damage reported in 7 records.Zone-level records: applies countywide; national data do not locate these events within the county.Ice thickness: in event narratives only; local data required.
Flash Flood, Flood, Lakeshore Flooddamage and flood days (FIRM for depth)80, 1996 to 2026 (14 zone-level)Flash Flood, 1996-07-01, $1,000,000 property; crops not reported (1996 dollars)Event records naming member places: Independence city (13 records), Covington city (12 records), Park Hills city (6 records), Fort Wright city (5 records), Fort Mitchell city (3 records), Crescent Springs city (2 records), Erlanger city (2 records), Lakeside Park city (2 records), Ludlow city (2 records), Bromley city (1 record); and 3 more member places (see the XLSX file). Zone-level records (14) apply countywide.Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage can be $0 or blank even for a major flood, so the worst record here may not be the worst flood; compare FEMA Public Assistance by declaration in B1-d.
Debris Flownone (count and damage)0Physical measure: in event narratives only; local data required.
Lightningannualized frequency (the measure FEMA's Local Mitigation Planning Handbook names)1, 1996 to 1996Lightning, 1996-05-15, $50,000 property; crops not reported (1996 dollars), 1 direct injuryEvent records naming member places: Covington city (1 record).Storm Events lists lightning with damage or casualties; physical measure in event narratives only; local data required.
High Wind and Strong Wind (outside NRI Strong Wind definition)wind speed (kt and mph)12, 1996 to 2024 (12 zone-level)36 kt (41 mph) to 60 kt (69 mph) (median 50 kt (58 mph)); 12 with a recorded value60 kt (69 mph) estimated gust, High Wind, 2008-09-14; NWS zone KYZ092 (KENTON), zone-level: may include parts of neighboring countiesZone-level records: applies countywide; national data do not locate these events within the county.
Thunderstorm Windwind speed (kt and mph)143, 1960 to 202540 kt (46 mph) to 74 kt (85 mph) (median 50 kt (58 mph)); 125 with a recorded value74 kt (85 mph) estimated gust, Thunderstorm Wind, 2017-03-02Event records naming member places: Independence city (18 records), Erlanger city (13 records), Covington city (12 records), Taylor Mill city (7 records), Ludlow city (6 records), Bromley city (4 records), Fort Mitchell city (4 records), Fort Wright city (3 records), Park Hills city (3 records), Villa Hills city (3 records); and 3 more member places (see the XLSX file).
TornadoEnhanced Fujita (F before Feb 2007)10, 1965 to 2026F/EF0 to F/EF4 (median F/EF1); 10 with a recorded valueEF4 tornado, 2012-03-02, 8.52 mi within this county, 880 yd wide, $20,000,000 property; crops not reported (2012 dollars), 4 direct deaths, 8 direct injuriesEvent records naming member places: Erlanger city (1 record).From 1996 on, tornado records are per-county segments and length is the path length within this county (NWS Instruction 10-1605); records before 1996 may give the whole path length, including the path outside this county, and before 1996 a tornado is listed once, under the county where it began, with the whole path's rating; counties farther along the path may not list it. Length is not used to rank tornadoes.
Tsunaminone (count and damage)0Physical measure: in event narratives only; local data required.
Volcanic Ash, Volcanic AshfallVolcanic Explosivity Index (local data)0Physical measure: in event narratives only; local data required.
Wildfireacres burned (local data)0Acres burned: in event narratives only; local data required.
Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleetnone in data (snowfall local)79, 1996 to 2026 (79 zone-level)Winter Storm, 1996-01-06, $400,000 property; crops not reported, reported for the zone (1996 dollars); NWS zone KYZ092 (KENTON), zone-level: may include parts of neighboring countiesZone-level records: applies countywide; national data do not locate these events within the county.Snow depth: in event narratives only; local data required.

Where a hazard names more than 10 member places, the table lists the 10 with the most records; every place is in the XLSX file, sheet "B1-c Extent".

Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records are placed with NWS zone-county files, which exist from 2020 on; an earlier record is placed by its zone number in the nearest later file only when its zone name matches that file, records from zones NWS renumbered are placed by name or left out, and a record whose zone is in no known file is left out of every count, so counts before 2020 can be low. Some current zones are also missing from the NWS files, so recent counts can be low too.

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

Sources

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-28, https://www.weather.gov/gis/ZoneCounty

Supports B1-d: previous occurrences

Declaration rows
15
Counted incidents
10

Federal disaster declarations for this county

DeclaredIncident beganFEMA numberTypeTitleMapped hazardCounty Public Assistancefederal share obligated, nominal dollarsFlagsNotes
2026-01-242026-01-23EM-3633-KYEmergencySEVERE WINTER STORMWinter Weathernone foundduring plan review, check whether your last plan included it; within last 5 years
2025-04-242025-04-02DR-4864-KYMajor disasterSEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDESInland Flooding; Landslide; Strong Wind; Tornado$1,310,287.12during plan review, check whether your last plan included it; within last 5 years
2025-04-032025-04-02EM-3626-KYEmergencySEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODINGInland Flooding; Strong Wind; Tornadonone foundwithin last 5 yearssame incident as DR-4864
2025-02-162025-02-14EM-3624-KYEmergencySEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND LANDSLIDESInland Flooding; Landslide; Strong Windnone foundwithin last 5 years
2020-03-282020-01-20DR-4497-KYMajor disasterCOVID-19 PANDEMICNon-natural, not counted$564,894.10
2020-03-132020-01-20EM-3469-KYEmergencyCOVID-19Non-natural, not countednone foundsame incident as DR-4497
2018-04-262018-02-21DR-4361-KYMajor disasterSEVERE STORMS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDESInland Flooding (primary); also designated: Landslide, Tornado$429,705.09
2012-03-062012-02-29DR-4057-KYMajor disasterSEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS AND FLOODINGInland Flooding; Strong Wind; Tornado$130,000.15
2011-05-042011-04-12DR-1976-KYMajor disasterSEVERE STORMS, TORNADOES, AND FLOODINGInland Flooding; Tornado$340,170.93
2009-02-052009-01-26DR-1818-KYMajor disasterSEVERE WINTER STORM AND FLOODINGIce Storm$472,079.57
2009-01-282009-01-27EM-3302-KYEmergencySEVERE WINTER STORMIce Stormnone foundsame incident as DR-1818
2008-10-092008-09-12DR-1802-KYMajor disasterSEVERE WIND STORM ASSOCIATED WITH TROPICAL DEPRESSION IKEHurricane; Strong Wind$543,792.44
2005-09-102005-08-29EM-3231-KYEmergencyHURRICANE KATRINAHurricane: evacuation support, not a local hazard event; not countednone found
1997-03-041997-03-01DR-1163-KYMajor disasterSEVERE STORM, FLOODING, AND TORNADOESInland Flooding; Tornadonone found
1996-01-131996-01-05DR-1089-KYMajor disasterBLIZZARD OF 96Winter Weathernone found

County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

Statewide declarations

DeclaredIncident beganFEMA numberTypeTitleMapped hazardFlagsNotes
1964-03-171964-03-17DR-163-KYMajor disasterSEVERE STORMS & FLOODINGInland Flooding
1963-03-131963-03-13DR-148-KYMajor disasterSEVERE STORMS & FLOODINGInland Flooding
1962-03-121962-03-12DR-128-KYMajor disasterFLOODSInland Flooding
1957-01-311957-01-31DR-66-KYMajor disasterFLOODInland Flooding

FEMA recorded these with designated area Statewide and no county. Listed on every county page in the state; not counted with county rows.

Source

FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-27T010817Z, pulled 2026-09-28, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)

Previous occurrences by hazard, with explicit no-event rows

HazardStorm Events recordsfull periodSince plan approvalrecordsDuring plan reviewrecordsLast 5 yearsrecordsDeclared incidentsdistinct incidentsDeclared since approvaldistinct incidentsPeriodStatement
Avalanche0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Coastal Flooding0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Cold Wave4001001996 to 2026-06-30Includes 1 Frost/Freeze record, event types the NRI definition of this hazard leaves out.
Drought0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Earthquake000000No Storm Events record; local data required (e.g., USGS).
Hail53014001955 to 2026-06-30
Heat Wave8001001996 to 2026-06-30
Hurricane0000101996 to 2026-06-30No Storm Events records of this type; 1 federal declared incident (see declarations table)
Ice Storm7000101996 to 2026-06-30
Inland Flooding80137601996 to 2026-06-30
Landslide0000301996 to 2026-06-30No Storm Events records of this type; 3 federal declared incidents (see declarations table)
Lightning1000001996 to 2026-06-30
Strong Wind1550824401955 to 2026-06-30Includes 11 High Wind records and 1 Strong Wind record, event types the NRI definition of this hazard leaves out.
Tornado10101501950 to 2026-06-30
Tsunami0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Volcanic Activity0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Wildfire0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Winter Weather790416201996 to 2026-06-30

Sources

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-27T010817Z, pulled 2026-09-28, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)

NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-28, https://www.weather.gov/gis/ZoneCounty

Notable Storm Events records

DateEvent typeMagnitude or extentDamagenominal dollarsDirect deaths, injuriesindirect not countedLocationFlagsWhy listed
2017-03-02Thunderstorm Wind74 kt (85 mph) estimated gust$200,000 property; $0 crops (2017 dollars)0, 0RICEDALE to INDEPENDENCEB1-c worst recorded: Thunderstorm Wind
2016-10-19Hail1 in$25,000 property; $0 crops (2016 dollars)0, 0INDEPENDENCEB1-c most damaging: Hail
2012-03-02TornadoEF4, 8.52 mi within this county, 880 yd wide$20,000,000 property; crops not reported (2012 dollars)4, 8BRACHT to MORNING VIEWdeaths or injuries recorded
2008-09-14High Wind60 kt (69 mph) estimated gust$18,200,000 property; crops not reported, reported for the zone (2008 dollars)0, 0NWS zone KYZ092 (KENTON), zone-level: may include parts of neighboring countiesB1-c worst recorded: High Wind and Strong Wind (outside NRI Strong Wind definition)
2007-04-06Frost/Freeze$0 property; $465,000 crops, reported for the zone (2007 dollars)0, 0NWS zone KYZ092 (KENTON), zone-level: may include parts of neighboring countiesB1-c worst recorded: Frost/Freeze (outside NRI Cold Wave definition)
1999-07-20Heatdamage not reported0, 0NWS zone KYZ092 (KENTON), zone-level: may include parts of neighboring countiesB1-c worst recorded: Excessive Heat, Heat
1998-04-08Hail2.75 indamage not reported0, 0ERLANGERB1-c worst recorded: Hail
1996-07-01Flash Flood$1,000,000 property; crops not reported (1996 dollars)0, 0INDEPENDENCEB1-c worst recorded: Flash Flood, Flood, Lakeshore Flood
1996-05-15Lightning$50,000 property; crops not reported (1996 dollars)0, 1COVINGTONdeaths or injuries recorded
1996-02-01Cold/Wind Chill$20,000 property; crops not reported, reported for the zone (1996 dollars)0, 0NWS zone KYZ092 (KENTON), zone-level: may include parts of neighboring countiesB1-c worst recorded: Cold/Wind Chill, Extreme Cold/Wind Chill
1996-01-06Winter Storm$400,000 property; crops not reported, reported for the zone (1996 dollars)0, 0NWS zone KYZ092 (KENTON), zone-level: may include parts of neighboring countiesB1-c worst recorded: Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleet
1981-11-19TornadoF1, 0.5 mi path length (records before 1996 may include the whole path; rating and listing come from the county where the tornado began), 50 yd wide$2,500,000 property; crops not recorded (1981 dollars)0, 2location not recordeddeaths or injuries recorded

The full list is in the XLSX file, sheet "B1-d Storm Events history" (397 rows).

Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records are placed with NWS zone-county files, which exist from 2020 on; an earlier record is placed by its zone number in the nearest later file only when its zone name matches that file, records from zones NWS renumbered are placed by name or left out, and a record whose zone is in no known file is left out of every count, so counts before 2020 can be low. Some current zones are also missing from the NWS files, so recent counts can be low too.

Sources

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-28, https://www.weather.gov/gis/ZoneCounty

FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-26T121003Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)

State-declared emergencies are not in federal data. Add them from your state emergency management agency.

FEMA's declaration data list no tribal or special-area declarations for this state.

Supports B1-e: probability

Probability: FEMA annualized frequency and descriptor per hazard

HazardFEMA annualized frequency (modeled)unit per rowUnitIn plain termsDescriptorDescriptor basisNRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional)NRI periodLocationNote
Avalancheevents per year1994 to 2023 (30 years)see B1-fNot Applicable in NRI for this county; no descriptor.
Coastal Floodingevents per year at a location (modeled)not shownmodeledsee B1-fNot Applicable in NRI for this county; no descriptor.
Cold Wave1.79event-days per yearabout 1.79 days per yearLikelyevent-days in 3 of 30 years, 1996 to 2025 (10%)342005-11-12 to 2024-11-12 (19 years)countywideNRI gives about 1.79 cold wave event-days a year here (its annualized frequency over 19 years; not its event count divided by the years), but Storm Events has a record in only 3 of 30 years. NRI counts from a different source that records far more events than Storm Events, so this descriptor reads much lower than NRI's frequency; read the two together. Frost/Freeze records are not counted in this descriptor: they record crop freezes, not cold waves.
Drought2.22event-days per yearabout 2.22 days per yearevent-days in 0 of 30 years, 1996 to 2025 (0%)562000 to 2025 (25.25 years; D3 and D4 only)countywideNo recorded event-days, 1996 to 2025; descriptor not assigned
Earthquake0.00163annual probability at a locationchance a given location in the county has at least minor-damage shaking in a year: 0.163%not shownmodeledsee B1-fDescriptor not assigned: the NRI value is the chance at a location in the county, not how often the hazard affects the county, and Storm Events does not record earthquakes.
Hail3.35events per yearabout 3.35 per yearHighly likelyFEMA annualized frequency (modeled)127.3 (modeled)1986 to 2023 (38 years)countywide
Heat Wave6.68event-days per yearabout 6.68 days per yearLikelyevent-days in 5 of 30 years, 1996 to 2025 (16.7%)1002005-11-12 to 2024-11-12 (19 years)countywideNRI gives about 6.68 heat wave event-days a year here (its annualized frequency over 19 years; not its event count divided by the years), but Storm Events has a record in only 5 of 30 years. NRI counts from a different source that records far more events than Storm Events, so this descriptor reads much lower than NRI's frequency; read the two together.
Hurricane0.00598events per yearabout 1 in 167 yearsUnlikelyFEMA annualized frequency (modeled)21851 to 2024 (Atlantic)see B1-fNRI counts hurricane and tropical storm tracks passing within storm-force wind range; federal declarations are counted separately in B1-d and need not match.
Ice Storm0.922event-days per yearabout 0.922 days per yearLikelyevent-days in 6 of 30 years, 1996 to 2025 (20%)621946-12-31 to 2014-02-12 (67 years)countywide
Inland Flooding2.29event-days per yearabout 2.29 days per yearHighly likelyevent-days in 27 of 30 years, 1996 to 2025 (90%)641996 to 2023 (28 years)see B1-f
Landslide0.359events per year (modeled)about 1 in 3 yearsLikelyFEMA annualized frequency (modeled)not shownmodeledsee B1-f
Lightning51.1days per year with a strikeabout 51.1 days per yearHighly likelyFEMA annualized frequency (modeled)not shown1995 to 2023 (29 years; CONUS)countywide
Strong Wind3.42events per yearabout 3.42 per yearHighly likelyFEMA annualized frequency (modeled)1301986 to 2023 (38 years)countywide
Tornado0.104events per yearabout 1 in 10 yearsLikelyFEMA annualized frequency (modeled)not shown1950 to 2023 (EF2+); 1986 to 2023 (EF0-1)see B1-f
Tsunamiannual probability at the most exposed location (used in place of a county value)not shownmodeledsee B1-fNot Applicable in NRI for this county; no descriptor.
Volcanic Activityannual probabilitynot shownmodeledsee B1-fNot Applicable in NRI for this county; no descriptor.
Wildfire0.0000183annual probability at a locationchance a given location in the county burns in a year: 0.00183%Storm Events records in 0 of 30 years, 1996 to 2025 (0%)not shownmodeledsee B1-fNo Storm Events record of this hazard, 1996 to 2025; descriptor not assigned (the NRI value is the chance at a location in the county, not how often the hazard affects the county)
Winter Weather10.8event-days per yearabout 10.8 days per yearLikelyevent-days in 25 of 30 years, 1996 to 2025 (83.3%)2062005-11-12 to 2024-11-12 (19 years)countywide

FEMA annualized frequency (modeled) comes from the National Risk Index v1.20 (December 2025). It is not recorded events divided by years, and what it measures depends on the hazard. For most hazards it estimates how often the hazard affects this county each year: it counts events or event-days (drought, heat wave, cold wave, winter weather, ice storm and inland flooding are in days per year; lightning is the number of days per year with a recorded cloud-to-ground strike, from the NOAA Storm Prediction Center daily lightning climatology); it may count events in the surrounding area (hail, strong wind, tornado, hurricane and ice storm use a 49 km grid and buffers) and is averaged over the county's area; and some hazards use a minimum value for places with no recorded event. Earthquake, wildfire and coastal flooding are different: FEMA computes them for each census block and averages them over the county, so the value is the chance (for coastal flooding, the modeled number of floods per year) at a location in the county, which is lower than the chance that the hazard strikes somewhere in the county. Earthquake is the chance of at least minor-damage shaking (U.S. Geological Survey model); wildfire is the chance that a location burns in a large fire (U.S. Forest Service burn probability); coastal flooding comes from FEMA flood zones and NOAA high-tide flooding, so it can be above 1 where high-tide flooding is frequent. Tsunami is the value at the county's most exposed location, from recorded events and modeled return periods. For these four hazards the packet gives no "1 in N years" and takes the descriptor from Storm Events (none for earthquake) unless the value is 1 or more a year. Landslide is a U.S. Geological Survey modeled county rate spread by slope susceptibility. Volcanic activity is the chance that a volcano affecting the county erupts in a year. Drought counts only extreme and exceptional drought (D3 and D4). Source: FEMA, National Risk Index Technical Documentation v1.20, sections 5.2.2 (Table 5), 5.2.3, 7.4, 10.4, 16.5, 17.1, 17.3.1, 17.5, 20.3.1, 21.4, 22.4 and 6 to 23.

Sources

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

Descriptor scale used in this packet (defined per unit)

UnitDescriptorDefinition
events per yearHighly likely1 or more per year
events per yearLikelyabout once in 1 to 10 years
events per yearPossibleabout once in 10 to 100 years
events per yearUnlikelyless than once in 100 years
annual probabilityLikely10% to under 100% chance in a given year
annual probabilityPossible1% to under 10% chance in a given year
annual probabilityUnlikelyunder 1% chance in a given year
event-days (share of years)Highly likelyevent-days recorded in 90% or more of years
event-days (share of years)Likelyevent-days recorded in 10% to under 90% of years
event-days (share of years)Possibleevent-days recorded in some years but under 10% of years
lightning strike-daysHighly likelycloud-to-ground strikes on 1 or more days per year

Sources

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

Intensity bands: historical frequency (Storm Events)

HazardBandYearsEventscounty-coded recordsYears in periodEvents per yearevents / years
Hail1.00-1.99 in1996 to 202521300.7
Hail2.00 in+1996 to 20251300.0333
Strong Wind (Thunderstorm Wind records)50-64 kt1996 to 2025114303.8
Strong Wind (Thunderstorm Wind records)65 kt+1996 to 20251300.0333
Strong Wind (Thunderstorm Wind records)unmeasured or below 50 kt1996 to 20259300.3
TornadoEF0-11996 to 20252300.0667
TornadoEF2-31996 to 20250300
TornadoEF4-51996 to 20251300.0333
Tornadounrated (EFU)1996 to 20250300

Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.

Source

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions.

Supports B1-f: variation across the planning area

Range of census tract risk within the county

HazardTractsrated of allRisk score minNRI score, 0 to 100MedianMaxTracts by ratingNote
Avalanche0 of 44Not Applicable 44
Coastal Flooding0 of 44Not Applicable 44
Cold Wave44 of 4442.773.393.1Relatively High 12, Relatively Moderate 31, Relatively Low 1National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.
Drought3 of 4474.775.477.1Very Low 3, No Rating 41National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. Agriculture is all of NRI's expected annual loss for this hazard in the county, so the tract range above mostly reflects where crop and livestock value is, not where buildings and people are. Confirm locally.
Earthquake44 of 4415.241.167.0Relatively Low 22, Very Low 22
Hail44 of 4426.941.063.7Relatively Low 28, Very Low 16National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.
Heat Wave44 of 4414.748.882.1Relatively Moderate 11, Relatively Low 32, Very Low 1National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.
Hurricane44 of 4414.317.925.0Very Low 44
Ice Storm44 of 4428.657.484.9Relatively Moderate 8, Relatively Low 35, Very Low 1National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.
Inland Flooding44 of 442.527.592.0Relatively High 2, Relatively Moderate 9, Relatively Low 20, Very Low 13
Landslide44 of 448.751.591.5Relatively Low 3, Very Low 41
Lightning44 of 4432.368.294.9Relatively High 10, Relatively Moderate 28, Relatively Low 6National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.
Strong Wind44 of 4454.885.497.3Very High 1, Relatively High 27, Relatively Moderate 16National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.
Tornado44 of 4447.071.595.7Very High 2, Relatively High 18, Relatively Moderate 21, Relatively Low 3
Tsunami0 of 44Not Applicable 44
Volcanic Activity0 of 44Not Applicable 44
Wildfire43 of 4419.146.565.8Very Low 43, No Rating 1
Winter Weather44 of 4427.845.274.5Relatively Moderate 18, Relatively Low 26National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.

Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.

Source

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

Per-member block (Starter, confirm locally)

MemberTypePlan statusRepetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definitionPublic Assistance matchedfederal share obligated, nominal dollarsEvent records naming this placeall years; since the member's planNotes
Kenton County (unincorporated area)UnincorporatedApproved, expires 2031-04-16FMA RL 0, SRL 0; any 2$315,446.200; 0
Bromley cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 1$6,188.445; 0
Covington cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 8$412,561.0331; 0
Crescent Springs cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 0$47,303.875; 0Includes $5,945.11 for declarations not counted as hazard incidents (DR-4497-KY).
Crestview Hills cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 0$5,719.552; 0
Edgewood cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 0$806,713.770; 0
Elsmere cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 0$52,218.710; 0
Erlanger cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 1$76,677.2429; 1
Fairview cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 0none found0; 0
Fort Mitchell cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 0$64,951.7110; 0Includes $13,049.70 for declarations not counted as hazard incidents (DR-4497-KY).
Fort Wright cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 0$22,139.048; 0
Independence cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 1$127,050.2645; 0
Kenton Vale cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 0none found0; 0
Lakeside Park cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 0none found3; 0
Ludlow cityCityApproved, expires 2031-04-16FMA RL 0, SRL 1; any 1$32,107.958; 0
Park Hills cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 0none found10; 0
Ryland Heights cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 0none found0; 0
Taylor Mill cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 2$123,477.6210; 0
Villa Hills cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 0$70,372.884; 0
Walton cityCityApproved, expires 2031-04-16FMA RL 0, SRL 0; any 0none found0; 0

Member rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each member row, while the county table counts only its part in this county.

School districts and special districts get a plan clock row only.

Sources

FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-26T121003Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)

FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)

FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-26T151157Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

Supports B2-a and B2-b: assets and impacts

Local data required

County-level starter. The plan must describe impacts for each participant and its own assets.

  • Critical facilities and lifelines per hazard
  • A problem statement per participant per hazard
  • Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
  • Future assets

County-level starter: exposure, expected annual loss and damage since the plan

HazardBuilding exposuremodeled dollarsAgriculture exposuremodeled dollarsPopulation exposedpeopleEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearEAL population equivalencestatistical value of life and injury, $13.7M per life, not property damageEAL as % of exposurebuildings; agriculture where notedStorm Events damage since 2026-04-17county-coded records, property plus crops, nominal dollarsZone-level damage since planproperty plus crops, reported for the zonePublic Assistance since plannominal dollars; see noteNote
AvalancheNot Applicable in NRI for this county
Coastal FloodingNot Applicable in NRI for this county
Cold Wave$26,208,142,267$6,944,284168,969$3,190$26,078$6,780,865under 0.0001%
Drought$3,697,834$1,1290.0305% (agriculture)NRI has no building exposure for this hazard; agriculture shown
Earthquake$44,440,067,403169,064$796,594$288,0820.00179%
Hail$26,208,149,419$6,944,284168,969$242,593$2,260$3,4070.000926%
Heat Wave$26,208,142,267$6,944,284168,969$118$13$1,960,442under 0.0001%
Hurricane$26,208,142,267$6,944,284168,969$3,673$170$42under 0.0001%
Ice Storm$26,195,019,500168,856$169,079$173,4620.000645%
Inland Flooding$26,192,540,304$557,6411,831$20,832,232$11,980$204,392n/a (see note)$0NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b. EAL as % of exposure: n/a.
Landslide$2,536,533,44617,247$593$1,015under 0.0001%
Lightning$26,208,149,419168,969$27,020$1,049,7880.000103%
Strong Wind$26,208,149,419$6,944,284168,969$960,729$51$2,941,2480.00367%
Tornado$26,208,149,419$6,944,284168,969$5,056,821$292$5,139,7160.0193%$10,000
TsunamiNot Applicable in NRI for this county
Volcanic ActivityNot Applicable in NRI for this county
Wildfire$8,854,878,217$3,566,55162,499$8,839$1$1,178under 0.0001%
Winter Weather$26,208,142,267$6,944,284168,969$64,916$41$50,8650.000248%

Totals since 2026-04-17 (Storm Events through 2026-06-30): 2 county-coded records, 2 with a damage value recorded (including $0), $10,000; 0 zone-level records, 0 with a damage value recorded (including $0), $0 reported for the zone; Public Assistance on counted declarations none found (0 declarations, 0 with PA).

Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).

FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column must not be added up; the unit total counts each declaration once.

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

Sources

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-28, https://www.weather.gov/gis/ZoneCounty

FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-27T010817Z, pulled 2026-09-28, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)

FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-26T151157Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)

FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-26T121003Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)

Supports B2-a: context

County context

MeasureValue
Population168,969
Building value (total, not at risk)$26,208,149,419
Agriculture value (total, not at risk)$6,944,284
NRI risk rating (all hazards)Relatively Low
Expected annual loss, buildings and agriculture, all hazards$28,208,413
Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage)$18,594,504
Social vulnerability ratingVery Low
Community resilience ratingVery High
NRI versionDecember 2025

FEMA's all-hazard expected annual loss total adds buildings, agriculture and population equivalence; the two parts are shown separately so the property figure is not read as including the statistical value of life.

Source

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

Supports B2-c: repetitive loss

Repetitive loss in this county, both definitions

DefinitionPropertiesSevere repetitive lossProperties
Repetitive loss, FMA definition (44 CFR 77.2)0Severe repetitive loss, FMA definition (44 CFR 77.2)1
Repetitive loss, NFIP insurance definition16Severe repetitive loss, NFIP insurance definition1

Your state NFIP coordinator's list may use the NFIP insurance definition, so its counts can be higher.

Repeat-flood properties: county total and NFIP communities

ScopeRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
County total011611606
KENTON COUNTY *0020200
COVINGTON, CITY OF0080802
INDEPENDENCE, CITY OF0010101
TAYLOR MILL, CITY OF0020202
BROMLEY, CITY OF0010100
LUDLOW, CITY OF0111101
ERLANGER, CITY OF0010100

Repeat-flood properties by plan member (NFIP community)

MemberNFIP community IDRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredpropertiesNote
Kenton County (unincorporated area)2101280020200
Bromley city2102530010100
Covington city2101290080802
Crescent Springs city2104500000000
Crestview Hills city2104510000000
Edgewood city2104520000000
Elsmere city2104530000000
Erlanger city2103780010100
Fairview city2104070000000
Fort Mitchell city2104540000000
Fort Wright city2102490000000
Independence city2102400010101
Kenton Vale city2102620000000
Lakeside Park city2104550000000
Ludlow city2102660111101
Park Hills city2104090000000
Ryland Heights city2103890000000
Taylor Mill city2102460020202
Villa Hills city2104560000000
Walton city2103790000000
Walton city2104810000000

Per-member types: XLSX sheet 'B2-c Members'.

Member rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each member row, while the county table counts only its part in this county.

County repeat-flood properties by occupancy group

Occupancy groupRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
single-family residential001101103
2 to 4 unit residential0010100
other residential0010100
non-residential0131303
not reported0000000

Institutional properties cannot be separated in this data: FEMA's occupancy groups have no institutional class, so they fall in non-residential or other residential in the table by occupancy group.

FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites; OpenFEMA's fmaRl field description omits the Increased Cost of Compliance clause of 44 CFR 77.2(i). NFIP repetitive loss (FEMA insurance definition, nfipRl) is 2 or more claims over $1,000 in 10 years and can drop to false when a property is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured.

Your state NFIP coordinator's list may use the NFIP insurance definition, so its counts can be higher.

Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (as of 2026-08-02). No property is identified. County assignment is FEMA's geocode.

Counts may differ from your state NFIP coordinator's list, which is the source the Handbook names.

In this county 0 properties are FMA repetitive loss but not NFIP repetitive loss, and 16 properties are NFIP repetitive loss but not FMA repetitive loss.

Exact counts; no count suppression.

Sources

Every table above lists its own sources. The full list, for the plan's bibliography (FEMA review item A4-a):

  1. FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-26T121003Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
  2. FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-27T010817Z, pulled 2026-09-28, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
  3. FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-26T151157Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
  4. FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
  5. FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
  6. NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
  7. NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-28, https://www.weather.gov/gis/ZoneCounty
  8. U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-28, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx

OpenFEMA disclaimer

This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Hazard Plain is an independent product built from public federal data. It is not a FEMA document and is not reviewed or endorsed by FEMA or any state agency.

Reuse, citation and corrections

Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.

Cite this: Hazard Plain (2026). Kenton County, KY: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-28; County area 21117). Preview: automated baseline. Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.

Corrections: to report an error, name the packet, the table and what your records show. Contact: to be added

Hazard Plain release 2026-10. As of 2026-09-28; Storm Events data through 2026-06-30. File hazard-plain_2026-10_KY_21117. Preview: automated baseline.