ELMER SMITH
OperatingCoal power plant
- Capacity
- 445 MW
- Primary fuel
- Coal
- County
- Daviess County
- Operator
- CITY OF OWENSBORO - (KY)
- Status
- Operating
- EIA plant ID
- 1374
- Coordinates
- 37.7940, -87.0603
ELMER SMITH, a 445 MW Coal power plant in Daviess County, Kentucky. Operated by CITY OF OWENSBORO - (KY).
Weather peril exposure
ELMER SMITH is a 445 MW coal power plant in Daviess County, KY, operated by CITY OF OWENSBORO - (KY). Daviess County carries high modeled catastrophe exposure in the FEMA National Risk Index, scoring 4.0 of 5 at the 74th national percentile. Earthquake is the leading peril, rated Relatively Moderate by FEMA at the 92nd percentile.
The Bywatts loss layer is calibrated to solar PV hardware, so it is not applied to a coal plant. The ratings below are the FEMA National Risk Index county hazard ratings for this location.
Daviess County hazard ratings
| Peril | FEMA rating | National percentile | Peril score | Events per year |
|---|---|---|---|---|
| Earthquake | Relatively Moderate | 92nd | 4.7 of 5 | <0.01 |
| Ice storm | Very High | 90th | 4.6 of 5 | 1.3 |
| Riverine flooding | Relatively Moderate | 87th | 4.5 of 5 | 3.9 |
| Winter weather | Relatively High | 84th | 4.4 of 5 | 8.2 |
| Strong wind | Relatively High | 80th | 4.2 of 5 | 5.0 |
| Hail | Relatively Moderate | 78th | 4.1 of 5 | 3.1 |
| Tornado | Relatively Moderate | 44th | 2.8 of 5 | 0.35 |
| Heat wave | Relatively Moderate | 44th | 2.7 of 5 | 8.2 |
| Lightning | Relatively Moderate | 40th | 2.6 of 5 | 53.0 |
| Wildfire | Very Low | 21st | 1.8 of 5 | <0.01 |
| Hurricane | Very Low | 16th | 1.6 of 5 | <0.01 |
Perils not assessed in Daviess County
These perils carry no usable National Risk Index figure for this county, so they are excluded from the scoring rather than scored zero. A zero would claim the peril was assessed and found benign.
| Peril | Why it is not scored |
|---|---|
| Coastal flooding | FEMA rating is "Not Applicable" for this county |
Model hail, wind and flood exposure for Daviess County in the weather risk calculator
Ratings are the FEMA National Risk Index county hazard ratings; the peril score is a Bywatts transform of the FEMA national percentile. Full data sources and the solar vulnerability methodology are in the weather risk calculator.
Modeled estimate for screening and negotiation. Built from FEMA National Risk Index county hazard data and a solar vulnerability layer documented above. Not a quote, a binder, or actuarial advice, and not a substitute for a carrier's own model. Hazard data: FEMA National Risk Index December 2025, synced 2026-07-24. Resolution is county level, not site level.