Enter any address in Hardin County, Kentucky to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Hardin County, KY. Between 2005 and 2025, NOAA Storm Events data recorded 57 flash flood events and 17 flood events, resulting in two reported fatalities. For example, a flash flood event occurred in June 2025, driven by persistent upper-level flow and a stationary front that created a moist and unstable environment conducive to heavy rainfall from afternoon thunderstorms.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A have experienced the most claims, with 269 claims averaging $22,896 and an average water depth of 4.1 feet. Zone X also shows significant claims, with 104 claims averaging $16,066 and an average water depth of 5.5 feet. Properties in Zone X_SHADED and Zone X_UNSHADED have also seen claims with substantial average payouts and water depths. Residents in Zone A, Zone X, and those in areas with higher water depths should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
33 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Hardin County, Kentucky has recorded 74 flood-related events since 1996 according to NOAA's Storm Events Database, including 57 flash floods and 17 river or area floods. The county has received 26 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 (1970–2026)
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 Storms, Tornadoes, And Flooding | Severe Storm | Apr 12, 2011 |
| Severe Storms, Flooding, Mudslides, And Tornadoes | Severe Storm | May 1, 2010 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 16, 2025 | 0.00K |
| Flash Flood | Feb 16, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 20.00K (1 deaths) |
| Flash Flood | Apr 5, 2025 | 0.00K |
| Flash Flood | Jun 25, 2023 | 0.00K |
| Flash Flood | Jan 3, 2023 | 0.00K |
| Flood | Jul 20, 2020 | 100.00K |
| Flash Flood | Aug 14, 2020 | 0.00K |
| Flash Flood | Mar 12, 2020 | 3.00K |
| Flash Flood | Nov 30, 2019 | 15.00K |
Flash Flood — Jun 16, 2025
Split upper-level flow set up over the Ohio and Mississippi Valleys for several days between June 15th and 17th, 2025. Upper low pressure became cut off, with a surface stationary front meandering back and forth across the lower Ohio Valley. In the vicinity of the surface front, a moist and unstable environment was present, with precipitable water values near 2 inches. Each afternoon, scattered...
Flash Flood — Feb 16, 2025
A strong storm system moved across the Ohio and Tennessee Valleys on February 15th and 16th, 2025, bringing heavy rainfall and flooding, severe weather, and winter weather to central Kentucky. The large scale upper level pattern featured deep troughing ejecting across the central CONUS, with broad southwesterly flow occurring in the low and mid troposphere. Southerly flow helped to draw rich mo...
Flash Flood — Feb 15, 2025
A strong storm system moved across the Ohio and Tennessee Valleys on February 15th and 16th, 2025, bringing heavy rainfall and flooding, severe weather, and winter weather to central Kentucky. The large scale upper level pattern featured deep troughing ejecting across the central CONUS, with broad southwesterly flow occurring in the low and mid troposphere. Southerly flow helped to draw rich mo...
Flash Flood — Apr 5, 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 — Jun 25, 2023
An anomalously strong mid- and upper-level trough for late June moved across the Great Lakes and Ohio Valley from the afternoon hours on June 25th through the morning hours on June 26th. A 60-70 kt 500 mb jet bisected the mid-Mississippi Valley, placing central Kentucky and southern Indiana in the left exit region, contributing to broad rising motion over the area. Near the surface, a well-defi...
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 Hardin 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 Hardin 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.