Enter any address in Gallatin County, Kentucky to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Gallatin County, KY. Between 1993 and 2023, NOAA data recorded 28 flash flood events and 30 flood events. Recent events include flash flooding on August 29, 2022, and widespread flooding on February 28, 2021, both associated with widespread rain and thunderstorms across the Ohio Valley.
National Flood Insurance Program (NFIP) claims data from Gallatin County shows that properties in Zone A have experienced the most claims, with an average payout of $15,377 and an average water depth of 5.4 feet. While fewer claims have been filed in Zone X and Zone Unknown, these also indicate flood risk. Residents in areas designated as Zone A, or those located near rivers and streams, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
1 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Gallatin County, Kentucky has recorded 58 flood-related events since 1996 according to NOAA's Storm Events Database, including 28 flash floods and 30 river or area floods. The county has received 17 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 (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 Storms, Tornadoes, Flooding, Landslides, And Mudslides | Flood | Feb 21, 2018 |
| 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 | May 15, 2024 | 0.00K |
| Flash Flood | Aug 29, 2022 | 8.00K |
| Flash Flood | Aug 29, 2022 | 100.00K |
| Flood | Aug 9, 2022 | 0.00K |
| Flood | Feb 28, 2021 | 2.00K |
| Flood | Feb 28, 2021 | 3.00K |
| Flood | Feb 7, 2019 | 0.00K |
| Flash Flood | Feb 24, 2018 | 0.00K |
| Flood | Sep 9, 2018 | 0.00K |
| Flash Flood | May 24, 2017 | 0.00K |
Flood — May 15, 2024
Scattered thunderstorms during the morning hours produced heavy rainfall and localized flooding.
Flash Flood — Aug 29, 2022
Showers and thunderstorms developed across the Ohio Valley as an upper level disturbance moved through the region.
Flood — Aug 9, 2022
Scattered showers and thunderstorms produced locally heavy rainfall during the evening hours.
Flood — Feb 28, 2021
Widespread rain fell across the Ohio Valley during the morning hours as a warm front lifted north through the area. Two to three inches of rain fell across much of the region.
Flood — Feb 7, 2019
Several waves of low pressure moved along a stalled front, bringing a prolonged period of heavy rain.
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 Gallatin 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 Gallatin 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.