Enter any address in Christian County, Kentucky to see its FEMA flood zone
Flash flooding from heavy rainfall events is a significant concern in Christian County. Over the past 30 years, NOAA Storm Events data shows 60 flood events and 48 flash flood events, resulting in two fatalities. Recent examples include flash flooding in February 2025, where steady rains caused flood waters to rise in areas like Guthrie, and widespread flooding in January 2025, with 3 to 4 inches of rain leading to stranded vehicles and water rescues in nearby counties.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A and Zone X_SHADED have experienced the most claims. Zone A claims averaged $23,879 with water depths of 3.2 feet, while Zone X_SHADED claims averaged higher at $27,156, with an average water depth of 5.7 feet. Homeowners in these zones, as well as those in Zone X_UNSHADED which shows the highest average claim payout, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
64 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Christian County, Kentucky has recorded 108 flood-related events since 1996 according to NOAA's Storm Events Database, including 48 flash floods and 60 river or area floods. The county has received 25 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1975–2026)
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, Tornadoes, Landslides, And Mudslides | Severe Storm | May 21, 2024 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Severe Storm | Mar 3, 2023 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides | Severe Storm | Dec 31, 2021 |
| Severe Storms, Straight-line Winds, Flooding, And Tornadoes | Tornado | Dec 10, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jan 30, 2025 | 0.00K |
| Flood | May 20, 2025 | 0.00K |
| Flood | Feb 16, 2025 | 0.00K |
| Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 20.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flood | Aug 14, 2025 | 0.00K |
| Flood | May 27, 2024 | 0.00K |
| Flood | May 14, 2024 | 0.00K |
| Flood | May 9, 2024 | 0.00K |
Flood — Jan 30, 2025
A low pressure system pushing northeastward through the Quad State region brought moderate to heavy rain to Western Kentucky for the midday through evening hours. Flash flood and areal flood issues developed late afternoon to early evening in the Purchase Area and Southern Pennyrile where widespread 3 to 4 inch storm total precipitation observations occurred. A water rescue occurred near the Gr...
Flood — May 20, 2025
A squall line moved eastward through Western Kentucky from mid to late afternoon ahead of an evening cold frontal passage. Several damaging wind reports were received, along with additional sub-severe wind gust observations. A funnel cloud was observed north of Crofton. Flooding issues developed in portions of the Kentucky Pennyrile. MLCAPE values were around 1000-1250J/kg, DCAPE was 700-1000J/...
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�...
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�...
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�...
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 Christian 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 Christian 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.