Enter any address in Allen County, Kentucky to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Allen County, KY. Between 2000 and 2024, NOAA Storm Events data recorded 30 flash flood events, resulting in 2 fatalities, alongside 10 additional flood events. Recent flash flooding occurred in February 2025, associated with a strong storm system bringing heavy rainfall, and in May 2024, linked to a quasi-stationary frontal boundary.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone X have experienced the most claims, with an average payout of $71,664 and an average water depth of 5.8 feet. Claims in Zone A averaged $59,009 with 0.5 feet of water, and Zone X_Unshaded claims averaged $20,367 with 2.0 feet of water. Homeowners in Zone X, particularly those with higher average water depths, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
9 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Allen County, Kentucky has recorded 40 flood-related events since 1996 according to NOAA's Storm Events Database, including 30 flash floods and 10 river or area floods. The county has received 21 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1969–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, And Tornadoes | Severe Storm | May 16, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Severe Storm | Apr 2, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Severe Storm | Apr 2, 2025 |
| Severe Storms, Straight-line Winds, Flooding, And Landslides | Severe Storm | Feb 14, 2025 |
| Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides | Severe Storm | Feb 14, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, Landslides, And Mudslides | Severe Storm | May 21, 2024 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Severe Storm | Mar 3, 2023 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | May 20, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | May 9, 2024 | 0.00K (1 deaths) |
| Flood | Feb 12, 2020 | 0.00K |
| Flash Flood | Feb 23, 2019 | 0.00K |
| Flash Flood | May 19, 2017 | 0.00K |
| Flash Flood | Jul 5, 2016 | 0.00K |
| Flash Flood | Jul 5, 2015 | 0.00K |
| Flash Flood | Jul 5, 2015 | 5.00K |
| Flood | Jul 2, 2015 | 0.00K |
Flash Flood — May 20, 2025
A negatively-tilted upper-level trough extended from the northern Great Plains down into the lower Ohio Valley on May 20th, bringing a strong cold front through the mid-Mississippi and Ohio Valleys. Showers and storms moved across the region along a warm front during the morning hours, limiting heating somewhat; however, a break in the precipitation during the early-to-mid afternoon hours allow...
Flash Flood — Feb 15, 2025
A strong storm system moved across the Ohio and Tennessee Valleys on February 15th and 16th, 2025, bringing heavy rainfall and flooding, severe weather, and winter weather to central Kentucky. The large scale upper level pattern featured deep troughing ejecting across the central CONUS, with broad southwesterly flow occurring in the low and mid troposphere. Southerly flow helped to draw rich mo...
Flash Flood — May 9, 2024
On May 8th and 9th, 2024, a quasi-stationary frontal boundary was draped from west to east across the Ohio Valley. Storms from the previous evening across southern Indiana and north central Kentucky had helped to stabilized the environment in those locations, though areas in southern Kentucky still had a good amount of instability and shear to work with during the afternoon and evening hours on...
Flood — Feb 12, 2020
During the evening of the 12th, a low pressure system moved towards central Kentucky from the southwest. This brought an inch or two of rain to the area. As a result reports of flooded roadways came in from Allen and Jefferson Counties. A flood watch was in effect at the time.
Flash Flood — Feb 23, 2019
On February 19, 2019, a broad upper trough dipped south to the Gulf of Mexico and carried abundant amounts of moisture towards the Ohio Valley. Once the moisture was transport was underway, isentropic lift caused 1.5 to 3 of rainfall along the Mississippi and Ohio River Valleys. The higher amounts went as far north as south central Indiana.||On the 20th, an upper trough axis and cold front push...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Allen County, Kentucky:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Allen County, Kentucky that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.