Enter any address in Fulton County, Kentucky to see its FEMA flood zone
River overflow along the Mississippi and its tributaries is a primary flood concern for Fulton County. Recent events include prolonged flooding of the Green, Ohio, and Mississippi rivers in early March, with minor flooding of bottomland observed at locations like Hickman. Additionally, heavy rainfall in late January caused flash flood and areal flood issues across the Purchase Area, leading to water rescues and stranded vehicles.
National Flood Insurance Program (NFIP) data indicates that properties in Zone A and Zone X_SHADED have experienced flood claims. Zone A claims averaged $20,969 with an average water depth of 0.7 feet, while Zone X_SHADED claims averaged $25,286 with a higher average water depth of 3.8 feet. Homeowners in areas prone to riverine flooding, as well as those in Zone A and Zone X_SHADED, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
30 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Fulton County, Kentucky has recorded 75 flood-related events since 1996 according to NOAA's Storm Events Database, including 31 flash floods and 44 river or area floods. The county has received 26 federal disaster declarations, 5 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2026)
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, Landslides, And Mudslides | Severe Storm | May 21, 2024 |
| Severe Storms, Straight-line Winds, Flooding, And Tornadoes | Tornado | Dec 10, 2021 |
| 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 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jan 30, 2025 | 0.00K |
| Flood | Feb 16, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flood | Mar 1, 2025 | 0.00K |
| Flood | Dec 28, 2024 | 0.00K |
| Flood | Sep 27, 2024 | 0.00K |
| Flood | May 11, 2024 | 0.00K |
| Flash Flood | Jul 19, 2023 | 100.00K |
| Flash Flood | Aug 4, 2023 | 2.00M |
| Flash Flood | Mar 3, 2023 | 20.00K |
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 — Feb 16, 2025
Heavy rain (3-7) over the lower Ohio and Tennessee Valleys on February 15th resulted in rising water levels along the Mississippi River, with prolonged minor flooding near Hickman. Minor flooding continued into early March.
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�...
Flood — Mar 1, 2025
A prolonged flooding event on the Green, Ohio, and Mississippi rivers, that began in the middle of February, continued into the first week of March. The Green River continued to see the worst flooding with moderate flooding continuing near Calhoun. Minor flooding mainly of bottomland continued at Paradise, Shawneetown, Olmsted, Cairo, and Hickman. Heavy rainfall in the middle of February was th...
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 Fulton 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 Fulton 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.