Enter any address in Graves County, Kentucky to see its FEMA flood zone
Flash flooding events are the most frequent type of flooding recorded in Graves County over the past 30 years, with 46 occurrences documented. General flood events have also occurred, resulting in one recorded fatality. Recent events include flash flooding on January 30, 2025, and February 15, 2025, both associated with significant rainfall.
National Flood Insurance Program (NFIP) data indicates that properties in Zone A have experienced the highest number of claims, with an average payout of $17,040 for a water depth of 2.3 feet. However, properties in Zone X have seen higher average payouts ($25,882) with a significantly greater average water depth of 18.8 feet, despite fewer claims. Homeowners in Zone A, Zone X, and Zone X_Unshaded should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
42 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Graves County, Kentucky has recorded 77 flood-related events since 1996 according to NOAA's Storm Events Database, including 46 flash floods and 31 river or area floods. The county has received 22 federal disaster declarations, 4 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, 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, Flooding, And Tornadoes | Tornado | Dec 10, 2021 |
| Severe, Storms, Flooding, Landslides, And Mudslides | Flood | Feb 27, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jan 30, 2025 | 0.00K |
| Flood | Jan 30, 2025 | 0.00K |
| Flash Flood | Jan 30, 2025 | 5.00K |
| Flood | Sep 24, 2025 | 15.00K |
| Flood | Feb 16, 2025 | 0.00K (1 deaths) |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | Mar 24, 2023 | 0.00K |
| Flash Flood | Jul 19, 2023 | 2.00M |
| Flash Flood | Aug 12, 2023 | 0.00K |
| Flash Flood | Feb 17, 2022 | 35.00K |
Flash 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 — 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 — Sep 24, 2025
A slow moving cold front lingered near the Ohio River during the evening hours on the 24th. MLCAPE values during the afternoon to early evening were around 1000J/kg, effective bulk shear was 30kts, and precipitable water was 1.75-2in. Isolated showers and storms midday became more widespread late afternoon into the evening. Part of a bridge washed out near Boaz, while significant flash flooding...
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�...
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 Graves 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 Graves 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.