Enter any address in Carlisle County, Kentucky to see its FEMA flood zone
Flash flooding from heavy rainfall is the dominant flood character in Carlisle County. Between 2004 and 2024, NOAA Storm Events data recorded 43 flood events and 30 flash flood events. For example, significant flash flooding occurred in February 2025 due to anomalously high moisture levels and steady rains that lasted over 24 hours, impacting areas with 1-2 inches of rain.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone X have experienced an average of 1.0 foot of water depth with an average payout of $1,254. Properties in Zone A have had a similar average water depth of 1.0 foot, but with a significantly higher average payout of $12,820, indicating potentially more severe damage. Homeowners in Zone A, and those in Zone X with a history of claims, should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
34 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Carlisle County, Kentucky has recorded 73 flood-related events since 1996 according to NOAA's Storm Events Database, including 30 flash floods and 43 river or area floods. The county has received 27 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 (1973–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, And Tornadoes | Severe Storm | May 16, 2025 |
| 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, Flooding, Landslides, And Mudslides | 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 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Feb 16, 2025 | 950.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flood | Feb 15, 2025 | 0.00K |
| Flood | Sep 27, 2024 | 0.00K |
| Flash Flood | May 26, 2024 | 0.00K |
| Flood | Jun 1, 2024 | 0.00K |
| Flash Flood | Jul 19, 2023 | 500.00K |
| Flood | Feb 16, 2023 | 0.00K |
| Flood | Aug 5, 2023 | 0.00K |
| Flash Flood | Mar 3, 2023 | 0.00K |
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 — Sep 27, 2024
The remnants of Hurricane Helene made their way through the Quad State region with heavy rainfall in Western Kentucky of 4 to 6 inches with the highest totals near 6.5 inches in West Paducah and in Crittenden County. Despite the high rainfall totals, hourly rainfall rates remained low enough to keep flooding issues minor. Several strong wind gusts of 40+ mph were observed and tree damage was re...
Flash Flood — May 26, 2024
The second major severe weather outbreak for the month occurred on the 26th for the Quad State region. On the synoptic scale, a shortwave trough centered in the middle of the country with a 60 kt mid-level jet moved across northern Arkansas. A weak surface low was moving into SE Missouri during the morning with a secondary low located further northwest. A warm frontal boundary was draped across...
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 Carlisle 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 Carlisle 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.