Henderson, Kentucky: natural disaster risk
How exposed Henderson is to floods, storms and other hazards, from FEMA and NOAA records for Henderson County.
Henderson is a city of 27,852 people in Henderson County, Kentucky. FEMA's National Risk Index rates Henderson County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, earthquake and strong wind, with about $28.6 million in expected losses a year across the county. The weather service has logged 369 storm reports in the county since 1955, including 28 tornadoes and 88 floods. About 1.4% of homes in the county carry federal flood insurance.
Risk figures are for Henderson County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Henderson
Full Henderson County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Ask whether an older house is bolted to its foundation.
- Consider separate earthquake insurance where risk is high.
- Secure outdoor furniture and trash bins before storms.
- Have trees near the house checked.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $14M | |
| Earthquake | $8M | |
| Strong wind | $2M | |
| Tornado | $1M | |
| Heat wave | $984K | |
| Cold wave | $685K | |
| Ice storm | $587K | |
| Drought | $510K | |
| Hail | $364K | |
| Lightning | $205K | |
| Winter weather | $151K | |
| Hurricane | $12K |
Homes in Henderson
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Henderson County
Common questions about Henderson
Is Henderson safe from natural disasters?
Henderson is in Henderson County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, earthquake, strong wind. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Henderson?
By expected yearly losses in Henderson County, the top hazards are inland flooding (Moderate), earthquake (Moderate), strong wind (High). Henderson County has been part of 22 federal disaster or emergency declarations for natural events.
Does Henderson get tornadoes?
Yes. NOAA records list 28 tornadoes in Henderson County since 1950; the strongest was an F3 tornado on November 6, 2005 near Henderson. FEMA rates tornado risk in the county low.
Do I need flood insurance in Henderson?
Standard home insurance does not cover floods. In Henderson County, about 1.4% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.