Enter any address in Boyd County, Kentucky to see its FEMA flood zone
River overflow along the Ohio River and its tributaries is the dominant flood character for Boyd County, KY. Between 2023 and 2024, NOAA Storm Events data recorded 56 flood events and 46 flash flood events. Recent flooding occurred in January and February of 2024, with heavy rainfall leading to impassable roadways due to high water.
FEMA's National Flood Insurance Program data indicates that properties in Zone A have experienced the highest number of claims, with an average payout of $21,673 and an average water depth of 2.9 feet. Properties in Zone X_SHADED and Zone X_UNSHADED also show significant claim activity, with average payouts of $11,610 and $8,353 respectively. Residents in areas designated as Zone A, or those located near rivers and streams, should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
70 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Boyd County, Kentucky has recorded 102 flood-related events since 1996 according to NOAA's Storm Events Database, including 46 flash floods and 56 river or area floods. The county has received 33 federal disaster declarations, 6 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1967–2026)
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 |
| 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 | Apr 2, 2024 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides | Severe Storm | Dec 31, 2021 |
| Severe, Storms, Flooding, Landslides, And Mudslides | Flood | Feb 27, 2021 |
| Severe Winter Storms, Landslides, And Mudslides | Severe Ice Storm | Feb 8, 2021 |
| Severe Storms, Flooding, Landslides, And Mudslides | Severe Storm | Feb 3, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jan 31, 2025 | 0.15K |
| Flood | Feb 17, 2025 | 0.00K |
| Flood | Feb 16, 2025 | 0.00K |
| Flash Flood | Jun 8, 2025 | 0.00K |
| Flood | Feb 6, 2025 | 0.50K |
| Flood | Apr 6, 2025 | 0.00K |
| Flood | Apr 4, 2025 | 0.00K |
| Flash Flood | Jun 29, 2024 | 0.00K |
| Flood | Apr 15, 2024 | 0.00K |
| Flash Flood | May 6, 2024 | 0.00K |
Flood — Jan 31, 2025
Flooding concerns quickly arose on the morning of January 31st in northeast Kentucky as a low pressure system pressed into the region. Rain first entered into Kentucky around daybreak that morning then continued to be inundated by periods of heavy rainfall through the afternoon. This resulted in impassable roadways due to high water issues across the area. The disturbance departed to the northe...
Flood — Feb 17, 2025
Light showers started to arrive into northeast Kentucky on the evening of February 14th, with more substantial rain spreading across the area overnight into the 15th as a warm front approached from the south. While precipitation coverage eroded from southeast Ohio and northwest West Virginia during the afternoon, moderate to heavy rain continued to trail across northeast Kentucky. This precipit...
Flood — Feb 16, 2025
Light showers started to arrive into northeast Kentucky on the evening of February 14th, with more substantial rain spreading across the area overnight into the 15th as a warm front approached from the south. While precipitation coverage eroded from southeast Ohio and northwest West Virginia during the afternoon, moderate to heavy rain continued to trail across northeast Kentucky. This precipit...
Flash Flood — Jun 8, 2025
A stationary front hovered over Ohio and Pennsylvania on the 5th and 6th of June. The front briefly resumed a southeast march into West Virginia on the 7th before stalling across the area once again. A low pressure system finally pushed the boundary to the north and then sent a cold front through the middle Ohio Valley and central Appalachians on the 8th. ||During this time, rounds of very heav...
Flood — Feb 6, 2025
Showers first entered southeast Ohio and northeast Kentucky on the evening of February 5th in response to an encroaching disturbance. Widespread rain continued into the next day, then tapered off from northwest to southeast in the wake of a cold front during the early afternoon. After a brief interlude, another wave of precipitation then passed through northeast Kentucky late in the evening of ...
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 Boyd 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 Boyd 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.