Enter any address in Floyd County, Kentucky to see its FEMA flood zone
Flash flooding from intense rainfall events is the dominant flood character in Floyd County. Over the last 30 years, NOAA Storm Events data shows 112 flash flood events and 86 flood events. Recent examples include heavy rainfall contributing to flooding on January 31, 2025, and flash flooding associated with severe weather on April 2, 2025, and May 16, 2025.
National Flood Insurance Program (NFIP) claims data indicates a significant number of claims in Zone A, with an average payout of $14,983 and an average water depth of 4.5 feet. Claims in Zone X_UNSHADED show the highest average payout at $23,072, with an average water depth of 7.5 feet, and Zone X_SHADED claims averaged $7,008 with 7.7 feet of water. Homeowners in Zone A, as well as those in X, X_SHADED, and X_UNSHADED zones, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
107 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Floyd County, Kentucky has recorded 198 flood-related events since 1996 according to NOAA's Storm Events Database, including 112 flash floods and 86 river or area floods. The county has received 48 federal disaster declarations, 12 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1967–2026)
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, Flooding, Landslides, And Mudslides | Severe Storm | Feb 14, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Severe Storm | Mar 3, 2023 |
| Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides | Flood | Feb 15, 2023 |
| Severe Storms, Flooding, Landslides, And Mudslides | Flood | Jul 26, 2022 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides | Severe Storm | Dec 31, 2021 |
| Severe, Storms, Flooding, Landslides, And Mudslides | Flood | Feb 27, 2021 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jan 31, 2025 | 0.00K |
| Flash Flood | May 16, 2025 | 0.00K |
| Flash Flood | Apr 4, 2025 | 20.00K |
| Flood | Apr 11, 2024 | 0.00K |
| Flood | Feb 16, 2023 | 0.00K |
| Flood | Jul 28, 2022 | 0.00K |
| Flash Flood | Jul 28, 2022 | 35.00K |
| Flash Flood | Jul 27, 2022 | 0.00K |
| Flash Flood | Jul 26, 2022 | 0.00K |
| Flood | May 6, 2022 | 0.00K |
Flood — Jan 31, 2025
A closed upper level low slowly moved out of SW CONUS and opened into a positively tilted trough as it approached KY. Large scale flow ahead of the lows approaching cold front, pulled gulf moisture northward. Soaking rain resulted for much of the area, as this moisture rich air lifted over a warm front as it progressed northward. On Friday, the 31st, the trailing cold front pushed through the a...
Flash Flood — May 16, 2025
Eastern Kentucky experienced multiple rounds of severe weather from May 16th into the early morning hours of May 17th.||The initial round of severe weather, occurring during the morning and early afternoon, produced swaths of large to significant hail (approaching baseball size), localized damaging winds, and heavy rainfall. Notably, intense thunderstorm wind gusts impacted downtown London, tea...
Flash Flood — Apr 4, 2025
On the afternoon of the 2nd a strong surface low was located over the MN/WI area, with a warm front extending southwest through the OH valley, and a trailing cold front extending SSE through the Ozarks. By 00Z (the evening of the 2nd), a strong convective squall line had developed across the Ohio and Mississippi Valley which slowly continued east through the evening. By early morning on the 3rd...
Flood — Apr 11, 2024
A strengthening low pressure system and several frontal boundaries all came together across eastern Kentucky during the day on April 11, 2024. Radar showed scattered to numerous showers and thunderstorms across the state through much of the day. By the early afternoon, SPC issued a watch for the far eastern portion of the state and into neighboring western Virginia, much of West Virginia, and S...
Flood — Feb 16, 2023
A low pressure center was slowly tracking into western Kentucky during the first part of the day on Wedensday, with a stationary front positioned along the Ohio River, and keeping much of eastern Kentucky in a warm, moist, and unstable airmass. Showers and thunderstorms were ongoing through much of the morning, leading to multiple flooding reports across the region. Then by the afternoon, the l...
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 Floyd 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 Floyd 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.