Enter any address in Daviess County, Kentucky to see its FEMA flood zone
Flash flooding from heavy rainfall events is a significant concern in Daviess County. Over the past 30 years, NOAA Storm Events data shows 74 flood events and 51 flash flood events, with one reported fatality. For example, in February 2025, heavy rainfall led to both minor river flooding along the Ohio River and significant flash flooding in western Kentucky. In July 2025, torrential rainfall rates also resulted in observed flash flooding in Paducah and areal flooding.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $12,424 and an average water depth of 2.3 feet. Properties in Zone X also see a notable number of claims. Homeowners in Zone A and Zone X, as well as those in areas with unknown flood risk designations, should pay close attention to flood risk information.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
59 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Daviess County, Kentucky has recorded 125 flood-related events since 1996 according to NOAA's Storm Events Database, including 51 flash floods and 74 river or area floods. The county has received 19 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1996–2026)
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 |
| 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 |
| Severe Storm, Tornadoes, Flooding, Landslides, And Mudslides | Severe Storm | Jul 2, 2016 |
| Severe Winter Storm, Snowstorm, Flooding, Landslides, And Mudslides | Flood | Mar 3, 2015 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Apr 12, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jul 18, 2025 | 5.00K |
| Flood | Feb 16, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | May 26, 2024 | 0.00K |
| Flash Flood | May 23, 2024 | 0.00K |
| Flood | May 8, 2024 | 0.00K |
| Flash Flood | Jun 29, 2023 | 40.00K |
| Flash Flood | Feb 16, 2023 | 15.00K |
| Flood | Jan 3, 2023 | 0.00K |
| Flood | Mar 1, 2023 | 0.00K |
Flood — Jul 18, 2025
A surface boundary was positioned west to east across the Quad State during the early afternoon with convective activity increasing with daytime heating. Scattered convection primarily occurred south of the boundary mid to late afternoon. MLCAPE reached 2000-3000J/kg but effective bulk shear was very limited. Precipitable water values over 2 allowed for torrential rainfall rates. Training storm...
Flood — Feb 16, 2025
Two waves of heavy rainfall (2-7) over the Ohio, Tennessee, and Green River Valleys on the 15th resulted in minor flooding along a large portion of the Ohio River, including the Evansville, Henderson, Golconda, Smithland, and Cairo areas. Minor and moderate flooding occurred around Owensboro, Paducah, and Olmsted. The river crested at moderate flood levels at Owensboro (44.1 feet), Paducah (43....
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�...
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 Daviess 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 Daviess 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.