Enter any address in Anderson County, Kentucky to see its FEMA flood zone
Flash flooding from heavy rainfall events is the dominant flood character in Anderson County, KY. Over the past 30 years, NOAA Storm Events data shows 22 flash flood events and 12 flood events. Recent examples include flash flooding on February 16, 2025, associated with a strong storm system bringing heavy rainfall across central Kentucky, and on August 6, 2022, when slow-moving thunderstorms lingered over the area, causing multiple instances of flash flooding.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $22,102 for an average water depth of 1.8 feet. However, properties in Zone X and Zone X_UNSHADED have also seen claims with significant average water depths of 8.2 feet and 2.9 feet, respectively. Residents in areas designated as Zone A, as well as those in Zone X and X_UNSHADED, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
13 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Anderson County, Kentucky has recorded 34 flood-related events since 1996 according to NOAA's Storm Events Database, including 22 flash floods and 12 river or area floods. The county has received 25 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1974–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| 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 |
| Remnants Of Hurricane Helene | Tropical Storm | Sep 27, 2024 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Severe Storm | Mar 3, 2023 |
| Severe, Storms, Flooding, Landslides, And Mudslides | Flood | Feb 27, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Winter Storm, Snowstorm, Flooding, Landslides, And Mudslides | Flood | Mar 3, 2015 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Feb 16, 2025 | 0.00K |
| Flash Flood | Apr 3, 2025 | 0.00K |
| Flash Flood | Aug 6, 2022 | 0.00K |
| Flood | May 31, 2018 | 0.00K |
| Flood | Feb 22, 2018 | 0.00K |
| Flash Flood | Jun 23, 2017 | 0.00K |
| Flash Flood | Jun 1, 2016 | 0.00K |
| Flood | Dec 23, 2015 | 20.00K |
| Flash Flood | Jul 14, 2015 | 0.00K |
| Flash Flood | Apr 3, 2015 | 30.00K |
Flash Flood — Feb 16, 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 — Apr 3, 2025
On the night of April 2nd, 2025, a cold front approached the lower Ohio Valley. Along and ahead of the cold front, numerous supercells developed over southern Illinois and western Kentucky. These storms tracked eastward and occasionally grew upscale into a QLCS with bowing segments. Storms lasted all night and into the morning hours, as the cold front began to stall over the lower Ohio Valley. ...
Flash Flood — Aug 6, 2022
Multiple waves of showers and thunderstorms moved across central Kentucky on August 6th and 7th as an exceptionally moist environment promoted the development of precipitation across the region. Precipitable water values approaching 2 inches remained over the area both days, and a lack of significant large-scale forcing kept storm motions fairly slow. As a result, multiple instances of flash fl...
Flood — May 31, 2018
With a moisture rich and highly unstable environment, an impulse from Missouri |formed a line of severe weather that pushed from west to east across southern |Indiana and central Kentucky. This line dropped heavy rainfall which caused flooding |issues and severe winds that caused damage to property.
Flood — Feb 22, 2018
Repeated rounds of moderate to heavy rainfall across the entire Ohio River basin totaled between 8 to 9 inches across central Kentucky from February 15 to February 28. These totals were generally 7+ inches, or 200 to 400% of normal values for mid to late February. The large areal extent of the excessive rainfall led to significant rises on area rivers, including the Ohio River. The Ohio River a...
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 Anderson 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 Anderson 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.