Hunt & Live

Spencer County, KY

20,204 residents · 187 sq mi · 108.2/sq mi · 100% rural

Climate
56°F
50.2" rain/yr
Water
humid
Aridity index 1.88
Hardiness
Zone 8a
Winter low ~14.6°F

About Spencer County

Spencer County is a county located in the U.S. state of Kentucky. As of the 2020 census, the total population was 19,490. Its county seat is Taylorsville. The county was founded in 1824 and named for Spier Spencer.

50
Prepper Suitability
worsebetter
National rank: #1485 of 3,109
Locator map
Location within the continental US

Prepper Assessment

Living in this area offers a predominantly rural experience with a population density of 108.2 people per square mile. The climate is humid, with an annual mean temperature of 56.0°F and an average rainfall of 50.2 inches per year, making it suitable for diverse agricultural endeavors. The growing season is favorable, particularly in USDA zone 8a, allowing for a variety of crops. However, the terrain may present challenges for certain types of self-sufficient living, particularly in areas prone to natural hazards like tornadoes.

The county faces notable risks, particularly from tornadoes, which rank 57 on the FEMA hazard scale. Strong winds and landslides also pose potential threats, with rankings of 49 and 40, respectively. While the area has a relatively low violence percentile of 72, indicating it is safer than many regions, the cost of living could be a concern with a median home price of $288,200. Additionally, only 63% of households have broadband, which may limit access to online resources for homesteading or remote work.

This county may be a good fit for individuals or families seeking a rural lifestyle with a strong sense of community and good income potential, given the median household income of $101,118. Those who thrive here will likely be comfortable with the risks associated with natural hazards and can manage the challenges of limited broadband access. However, urban dwellers or those seeking a completely self-sufficient lifestyle might find the tornado risk and housing costs to be significant dealbreakers.

AI-generated analysis based on county data (climate, hazards, density, housing, economy). For general orientation only.

Key Facts

Ranked #1,745 nationally
Out of 3,109 CONUS counties for composite prepper suitability.
#56 of 120 in KY
Ranked #56 of 120 counties statewide for prepper suitability.
Dominant hazard: tornado
FEMA ranks tornado risk at 57/100 here — the leading natural threat.
Urban: 108/sqmi
Densely populated at 108 people per square mile.
Climate profile
Classified as humid with a 56.0°F annual mean and 50.2" of annual precipitation. USDA hardiness zone 8a.
Housing & taxes
Median home value $288,200.

Score Breakdown

Violence
63
percentile (lower = safer)
Disasters
13
percentile (lower = safer)
Density
73
percentile (lower = emptier)
Overall FEMA Risk
13.3
NRI composite (0-100)

Natural Hazard Profile (FEMA NRI)

Cold Wave 27
Drought 21
Earthquake 39
Hail 11
Hurricane 8
Heat Wave 21
Riverine Flood 23
Ice Storm 32
Landslide 40
Lightning 36
Strong Wind 49
Tornado 57
Wildfire 9
Winter Weather 26

Monthly Climate (1991–2020 normals)

Average temperature
JFMAMJ JASOND
Monthly precipitation (inches)
JFMAMJ JASOND
Summer high
87°F
Winter low
24.6°F
Heating degree days
4,490
Cooling degree days
1,238

Housing & Economy

Median home value
$288,200
Median HH income
$101,118
Price to income
2.9×
Property tax rate
0.74%
~$2,135/yr median

Community Profile

Median age
42.9
Homeownership
86.2%
Poverty rate
8.3%
Unemployment
6.2%

Connectivity

Broadband households
63.3%
No internet access
8.4%

Explore Spencer County Further

Similar Counties

Data sources. Prepper scores are national percentile ranks of firearm fatalities (County Health Rankings 2024 / CDC WONDER), FEMA National Risk Index 2023 composite disaster score, and population density (ACS 2022 + TIGER 2022 land area). Climate from NOAA nClimDiv 1991–2020 normals. Hardiness zone is estimated from climate data and may differ from the official USDA PHZM. Demographics and housing from Census ACS 5-year 2022. All scores are for comparison purposes only and do not constitute advice about where to live.