Enter any address in Calloway County, Kentucky to see its FEMA flood zone
Flash flooding events have been the most frequent type of flooding in Calloway County, KY over the past 30 years, with 61 recorded instances. Areal flooding has also occurred, with 30 events documented. Recent examples include flash flooding on January 30, 2025, which stranded vehicles on Hopkins Road, and significant flash flooding reported on February 15, 2025, impacting areas including Murray.
National Flood Insurance Program (NFIP) claims data shows that properties designated as Zone X have experienced the highest average payouts and water depths, with an average claim of $85,526 and 1.9 feet of water. Zone A properties had an average payout of $6,904 with 0.7 feet of water, while Zone X_Unshaded properties saw an average payout of $35,574 with 1.0 foot of water.
Homeowners in areas designated as Zone A, Zone X, and Zone X_Unshaded should pay close attention to flood risk information.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
47 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Calloway County, Kentucky has recorded 91 flood-related events since 1996 according to NOAA's Storm Events Database, including 61 flash floods and 30 river or area floods. The county has received 20 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1975–2026)
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 |
| 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 |
| Severe, Storms, Flooding, Landslides, And Mudslides | Flood | Feb 27, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storm, Tornadoes, Flooding, Landslides, And Mudslides | Severe Storm | Jul 2, 2016 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jan 30, 2025 | 20.00K |
| Flood | Feb 16, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 30.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flood | Feb 15, 2025 | 0.00K |
| Flood | May 2, 2025 | 0.00K |
| Flash Flood | May 26, 2024 | 0.00K |
| Flash Flood | May 26, 2024 | 10.00K |
| Flash Flood | Jul 21, 2024 | 5.00K |
| Flash Flood | May 14, 2024 | 0.00K |
Flash Flood — Jan 30, 2025
A low pressure system pushing northeastward through the Quad State region brought moderate to heavy rain to Western Kentucky for the midday through evening hours. Flash flood and areal flood issues developed late afternoon to early evening in the Purchase Area and Southern Pennyrile where widespread 3 to 4 inch storm total precipitation observations occurred. A water rescue occurred near the Gr...
Flood — Feb 16, 2025
Significant flash flooding occurred over west Kentucky, as anomalously high amounts of low-level moisture streamed northward over a warm front that became stationary along the Tennessee border. Steady rains began just after 0000CST on the 15th and continued until around 0100CST on the 16th. The rain came in waves with the first one targeting Fulton, Murray, Fort Campbell, and Guthrie with 1-2�...
Flash Flood — Feb 15, 2025
Significant flash flooding occurred over west Kentucky, as anomalously high amounts of low-level moisture streamed northward over a warm front that became stationary along the Tennessee border. Steady rains began just after 0000CST on the 15th and continued until around 0100CST on the 16th. The rain came in waves with the first one targeting Fulton, Murray, Fort Campbell, and Guthrie with 1-2�...
Flood — Feb 15, 2025
Significant flash flooding occurred over west Kentucky, as anomalously high amounts of low-level moisture streamed northward over a warm front that became stationary along the Tennessee border. Steady rains began just after 0000CST on the 15th and continued until around 0100CST on the 16th. The rain came in waves with the first one targeting Fulton, Murray, Fort Campbell, and Guthrie with 1-2�...
Flood — May 2, 2025
An upper-level trough from northern Ontario southwest to the central Plains was pushing southeast through the day, as a weak surface boundary lingered from the Missouri Bootheel northeast along the Ohio River. South of the boundary, MLCAPE was 1000-2000J/kg and the effective shear was 30-40kts. Mid-level lapse rates were poor, generally 6K/km or lower, while low-level lapse rates were 7-8K/km. ...
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 Calloway 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 Calloway 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.