24 flood insurance claims·$3.0M paid·7 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 Casey 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 dominates the flood character of Casey County, accounting for 26 of the 40 recorded flood events over the last 30 years, alongside 14 general flood events. Recent historical impacts include significant flash flooding driven by severe storms and heavy rainfall in February 2025, followed by a multi-day series of severe weather events involving supercells and a stalling cold front in April 2025.
Federal insurance claims data demonstrates distinct risk profiles between hazard areas. Properties located in high-risk Zone A experienced 18 claims with an average payout of $158,484 and an average recorded water depth of 14 inches. Meanwhile, properties in Zone X recorded 6 claims with an average payout of $74,586 and an average recorded water depth of 4 inches.
Homeowners, real estate agents, and journalists should pay the closest attention to properties situated within Zone A, where historical claims reflect substantially higher water depths and financial losses, as well as areas prone to rapid flash flooding during heavy precipitation systems.
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 11 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 2010, with 12 claims and $1.8M paid, the year of Severe Storms, Flooding, Mudslides, 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.
27 NOAA storm reports from Casey County describe what happened, in the words of the forecasters who covered it. Read the Kentucky flood stories →
33 federal disaster declarations since 1970, 7 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, Tornadoes, Flooding, Landslides, And Mudslides | Mar 3, 2023 |
| Severe Storms, Flooding, Landslides, And Mudslides | Jul 26, 2022 |
| Severe, Storms, Flooding, Landslides, And Mudslides | Feb 27, 2021 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
40 since 1996: 26 flash floods and 14 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Feb 15, 2025 | — |
| Flash Flood | Apr 4, 2025 | — |
| Flash Flood | Apr 3, 2025 | — |
| Flash Flood | Aug 10, 2022 | — |
| Flash Flood | Jan 1, 2022 | — |
| Flash Flood | Feb 28, 2021 | — |
| Flash Flood | Jun 29, 2020 | — |
| Flood | Sep 13, 2020 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Feb 15, 2025. A strong storm system moved across the Ohio and Tennessee Valleys on February 15th and 16th, 2025, bringing heavy rainfall and flooding, severe weather, and winter weather to central Kentucky. The large scale upper level pattern featured deep troughing ejecting across the central CONUS, with broad southwesterly flow occurring in the low and mid troposphere. Southerly flow helped to draw rich moisture up from the G…
Flash Flood · Apr 4, 2025. On the night of April 2nd, 2025, a cold front approached the lower Ohio Valley. Along and ahead of the cold front, numerous supercells developed over southern Illinois and western Kentucky. These storms tracked eastward and occasionally grew upscale into a QLCS with bowing segments. Storms lasted all night and into the morning hours, as the cold front began to stall over the lower Ohio Valley. These storms left be…
Flash Flood · Apr 3, 2025. On the night of April 2nd, 2025, a cold front approached the lower Ohio Valley. Along and ahead of the cold front, numerous supercells developed over southern Illinois and western Kentucky. These storms tracked eastward and occasionally grew upscale into a QLCS with bowing segments. Storms lasted all night and into the morning hours, as the cold front began to stall over the lower Ohio Valley. These storms left be…
Flash Flood · Aug 10, 2022. On August 9th and 10th, a quasi-stationary surface front meandered along the Ohio River, serving as a focus for the development of daytime showers and thunderstorms. Immediately south of the surface boundary, an unusually moist environment was present, with precipitable water values exceeding 2 inches across central Kentucky. As a result, as modest instability developed during the afternoon hours on the 9th, scatt…
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 Casey 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.