Enter any address in Boone County, Kentucky to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Boone County. Between 1993 and 2023, the NOAA Storm Events Database recorded 38 flash flood events and 33 flood events. Recent examples include widespread showers and thunderstorms on April 4, 2025, and scattered thunderstorms on July 27, 2023.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $13,852 and an average water depth of 6.4 feet. Properties in Zone X also show claims, averaging $5,103 with 4.4 feet of water depth. Homeowners in Zone A and Zone X, particularly those near rivers or in areas without a Base Flood Elevation (BFE), should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
3 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Boone County, Kentucky has recorded 71 flood-related events since 1996 according to NOAA's Storm Events Database, including 38 flash floods and 33 river or area floods. The county has received 13 federal disaster declarations. 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, Flooding, And Landslides | Severe Storm | Feb 14, 2025 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Apr 12, 2011 |
| Severe Winter Storm | Severe Ice Storm | Jan 27, 2009 |
| Severe Winter Storm And Flooding | Severe Ice Storm | Jan 26, 2009 |
| Severe Wind Storm Associated With Tropical Depression Ike | Severe Storm | Sep 12, 2008 |
| Hurricane Katrina | Hurricane | Aug 29, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Apr 4, 2025 | 0.00K |
| Flash Flood | Jul 27, 2023 | 0.00K |
| Flood | Jul 27, 2023 | 0.00K |
| Flood | Feb 28, 2021 | 0.00K |
| Flood | Jun 19, 2021 | 5.00K |
| Flash Flood | May 24, 2020 | 0.00K |
| Flood | Mar 30, 2019 | 0.00K |
| Flood | Jul 30, 2019 | 5.00K |
| Flash Flood | Jun 16, 2019 | 15.00K |
| Flood | Feb 12, 2019 | 0.00K |
Flood — Apr 4, 2025
Widespread showers and thunderstorms occurred across the region as waves of low pressure moved east along a frontal boundary that was stalled out along the Ohio River.
Flash Flood — Jul 27, 2023
Scattered thunderstorms developed during the evening hours in a warm and humid airmass. The thunderstorms persisted into the overnight hours.
Flood — Jul 27, 2023
Scattered thunderstorms developed during the evening hours in a warm and humid airmass. The thunderstorms persisted into the overnight hours.
Flood — Feb 28, 2021
Widespread rain fell across the Ohio Valley during the morning hours as a warm front lifted north through the area. Two to three inches of rain fell across much of the region.
Flood — Jun 19, 2021
Thunderstorms developed during the afternoon and evening hours as a low pressure system moved through a warm and humid airmass that was in place across the Ohio Valley.
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 Boone 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 Boone 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.