3 flood insurance claims·$15,328 paid·3 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 Carlisle 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.
Carlisle County experiences a flood risk profile dominated by regular flooding events, with NOAA records indicating 43 floods and 30 flash floods over the past 30 years.
Recent history demonstrates this vulnerability, notably during a significant flooding and flash flooding event on February 15, 2025. That event resulted from steady, wave-driven rains fueled by anomalously high low-level moisture streaming northward over a stationary warm front along the Tennessee border, with rainfall continuing until the early hours of February 16.
Federal insurance records reflect claims across different zones, including two claims in Zone X with an average payout of $2,507 and an average recorded water depth of 2 inches, alongside one claim in Zone A with an average payout of $12,820 and an average recorded water depth of 1 inch. Properties located in Zone A should pay the closest attention to these flood risks, given the higher average claim payouts associated with that designated zone.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 2 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 2023, with 1 claims and $12,820 paid, the year of Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides.
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.
34 NOAA storm reports from Carlisle County describe what happened, in the words of the forecasters who covered it. Read the Kentucky flood stories →
27 federal disaster declarations since 1973, 3 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, And Tornadoes | May 16, 2025 |
| 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 14, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, Landslides, And Mudslides | May 21, 2024 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Mar 3, 2023 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
73 since 1996: 30 flash floods and 43 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Feb 16, 2025 | $950,000 |
| Flash Flood | Feb 15, 2025 | — |
| Flood | Feb 15, 2025 | — |
| Flood | Sep 27, 2024 | — |
| Flash Flood | May 26, 2024 | — |
| Flood | Jun 1, 2024 | — |
| Flash Flood | Jul 19, 2023 | $500,000 |
| Flood | Feb 16, 2023 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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��� in the pre-d…
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��� in the pre-d…
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��� in the pre-d…
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 reported as saturated…
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 Carlisle 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.