450 flood insurance claims·$5.8M paid·1 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Campbell County, Kentucky. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding and river flooding from heavy storms dominate the flood profile here, backed by NOAA records showing 41 flash flood events and 32 general flood events over the last 30 years, including 1 recorded death. Recent events include a low-pressure system that brought widespread showers and thunderstorms in April 2024, and scattered thunderstorms developing along a frontal boundary near the Ohio River in August 2024.
Historical NFIP claim data demonstrates that properties in high-risk Zone A face the heaviest impacts, accounting for 364 total claims with an average payout of $17,437 and an average recorded water depth of 11 inches. Additional claims outside of Zone A—including properties in unknown zones, shaded and unshaded Zone X—show that lower-risk areas also experience localized water damage, with unshaded Zone X claims averaging $30,745 in payouts and an average recorded water depth of 4 inches.
Homeowners, real estate agents, and journalists should pay the closest attention to properties located within Zone A, where the vast majority of historical flood claims and significant water depths occur. Properties outside of designated high-risk zones also warrant careful evaluation given the frequency of localized flash flooding across the county.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
4% of Campbell County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
380 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 10 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 1997, with 194 claims and $2.5M paid, the year of Severe Storm, Flooding, and Tornadoes.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
2 NOAA storm reports from Campbell County describe what happened, in the words of the forecasters who covered it. Read the Kentucky flood stories →
17 federal disaster declarations since 1993, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 2, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Apr 2, 2025 |
| Severe Storms, Straight-line Winds, Flooding, And Landslides | Feb 14, 2025 |
| Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides | Feb 6, 2019 |
| Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides | Feb 21, 2018 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Feb 29, 2012 |
| Severe Storms, Tornadoes, And Flooding | Apr 12, 2011 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
73 since 1996: 41 flash floods and 32 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Feb 16, 2025 | — |
| Flash Flood | Aug 28, 2024 | — |
| Flood | Apr 11, 2024 | — |
| Flood | Apr 2, 2024 | $20,000 · 1 killed |
| Flash Flood | Jul 18, 2023 | $20,000 |
| Flood | Feb 17, 2022 | — |
| Flood | Feb 28, 2021 | — |
| Flash Flood | May 24, 2020 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Feb 16, 2025. A low pressure system brought heavy rainfall to the region as it moved through the Ohio Valley.
Flash Flood · Aug 28, 2024. Scattered thunderstorms developed during the afternoon hours along a frontal boundary located near the Ohio River.
Flood · Apr 11, 2024. A low pressure system moving through the Ohio River Valley resulted in occasional showers and thunderstorms.
Flood · Apr 2, 2024. A low pressure system moving through the Ohio Valley produced widespread showers and thunderstorms during the afternoon and evening hours.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Campbell County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.