Enter any address in Grayson County, Kentucky to see its FEMA flood zone
Flash flooding from severe thunderstorms is the primary flood hazard in Grayson County, KY. Between 1993 and 2023, NOAA Storm Events data recorded 36 flash flood events and 9 general flood events. For example, severe thunderstorms caused widespread damage across central Kentucky in early April 2025.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone X have experienced claims averaging $17,048 with an average water depth of 33.3 feet. While Zone A properties have had fewer claims, the data shows an average payout of $0 with 0.0 feet of water depth.
Homeowners and real estate agents should pay close attention to flood risk, particularly those in areas identified as Zone X, which has seen documented flood damage. Properties located near waterways or in areas without a Base Flood Elevation (BFE) may also warrant increased attention regarding potential flood impacts.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
19 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Grayson County, Kentucky has recorded 45 flood-related events since 1996 according to NOAA's Storm Events Database, including 36 flash floods and 9 river or area floods. The county has received 29 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 (1974–2026)
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 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | Feb 29, 2012 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 4, 2025 | 0.00K |
| Flash Flood | Apr 3, 2025 | 0.00K |
| Flash Flood | Jan 3, 2023 | 0.00K |
| Flash Flood | Mar 28, 2020 | 0.00K |
| Flash Flood | Jun 28, 2020 | 0.00K |
| Flash Flood | Jun 28, 2020 | 15.00K |
| Flash Flood | Jun 28, 2020 | 30.00K |
| Flash Flood | Jul 5, 2020 | 0.00K |
| Flash Flood | Nov 30, 2019 | 10.00K |
| Flash Flood | Feb 23, 2019 | 0.00K |
Flash Flood — Apr 4, 2025
On the night of April 2nd, 2025, a cold front approached the lower Ohio Valley. Along and ahead of the cold front, numerous supercells developed over southern Illinois and western Kentucky. These storms tracked eastward and occasionally grew upscale into a QLCS with bowing segments. Storms lasted all night and into the morning hours, as the cold front began to stall over the lower Ohio Valley. ...
Flash Flood — Apr 3, 2025
On the night of April 2nd, 2025, a cold front approached the lower Ohio Valley. Along and ahead of the cold front, numerous supercells developed over southern Illinois and western Kentucky. These storms tracked eastward and occasionally grew upscale into a QLCS with bowing segments. Storms lasted all night and into the morning hours, as the cold front began to stall over the lower Ohio Valley. ...
Flash Flood — Jan 3, 2023
During the overnight hours and into the morning on January 3rd, a strong system moved across central Kentucky, bringing isolated damaging wind gusts and widespread heavy rainfall. The system was associated with a negatively-tilted upper-level trough which moved from the Four Corners region on January 2nd to the upper Midwest by January 4th. A surface cyclone transited in a similar fashion to th...
Flash Flood — Mar 28, 2020
Like much of the severe weather in March, the 28th saw the same conditions with the Ohio Valley ahead of an upper trough with an embedded low system. During the day, warm moist air advanced north ahead of a later cold front. This set up provided the atmosphere with the energy to produce lightning and severe winds that caused damage throughout central Kentucky. There were a couple of reports of ...
Flash Flood — Jun 28, 2020
During a time without any major weather systems moving through the region, a moist atmosphere with differential heating and remaining outflows from earlier thunderstorms was enough for thunderstorms and heavy rain to develop across central Kentucky. This resulted in widespread wind damage, flooding, and even fires from lightning. An elderly man drowned and his wife was injured trying to drive t...
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 Grayson 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 Grayson 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.