Enter any address in Carroll County, Kentucky to see its FEMA flood zone
Flash flooding from slow-moving thunderstorms is the dominant flood character in Carroll County. Recent events include flash flooding on September 3, 2022, and widespread flooding on February 28, 2021, following heavy rainfall.
National Flood Insurance Program data shows that properties in Zone A have experienced the most claims, with an average payout of $22,076 and an average water depth of 2.9 feet. Properties in Zone X also have a history of claims, though with lower average payouts and water depths. Residents in Zone A and those near rivers or waterways should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
1 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Carroll County, Kentucky has recorded 55 flood-related events since 1996 according to NOAA's Storm Events Database, including 27 flash floods and 28 river or area floods. The county has received 22 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1978–2026)
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 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides | Severe Storm | Feb 6, 2019 |
| Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides | Flood | Feb 21, 2018 |
| Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide | Severe Storm | Jul 11, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | Feb 29, 2012 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Apr 5, 2025 | 0.00K |
| Flash Flood | Sep 3, 2022 | 0.00K |
| Flash Flood | Sep 3, 2022 | 20.00K |
| Flood | Feb 28, 2021 | 6.00K |
| Flood | Feb 28, 2021 | 0.00K |
| Flood | Jun 18, 2021 | 0.00K |
| Flood | Mar 1, 2021 | 0.00K |
| Flood | Jun 9, 2019 | 0.00K |
| Flash Flood | Feb 24, 2018 | 0.00K |
| Flood | Sep 9, 2018 | 0.00K |
Flood — Apr 5, 2025
Widespread showers and thunderstorms occurred across the region as waves of low pressure moved east along a frontal boundary that was stalled out along the Ohio River.
Flash Flood — Sep 3, 2022
Slow moving showers and thunderstorms developed during the afternoon hours in a warm and humid airmass.
Flood — Feb 28, 2021
Widespread rain fell across the Ohio Valley during the morning hours as a warm front lifted north through the area. Two to three inches of rain fell across much of the region.
Flood — Jun 18, 2021
Thunderstorms developed during the afternoon and evening hours as a low pressure system moved through a warm and humid airmass that was in place across the Ohio Valley.
Flood — Mar 1, 2021
Residual flooding lingered into the morning hours from heavy rain that fell mainly the day before.
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 Carroll 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 Carroll 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.