Enter any address in Hart County, Kentucky to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Hart County. Over the last 30 years, the NOAA Storm Events Database recorded 21 flash flood events and 26 flood events in the county. Recent examples include flash flooding on February 15-16, 2025, associated with a strong storm system, and on July 30-31, 2024, due to a stationary front.
National Flood Insurance Program (NFIP) claims data shows a mix of flood zones. Zone A, typically considered high-risk, had 5 claims with an average payout of $26,257. Zone X, considered moderate to low risk, had 3 claims with an average payout of $20,111, though one claim in Zone X_UNSHADED had a significantly higher payout. Residents in Zone A, and those in lower-lying areas or near waterways, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
17 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Hart County, Kentucky has recorded 47 flood-related events since 1996 according to NOAA's Storm Events Database, including 21 flash floods and 26 river or area floods. The county has received 27 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1989–2026)
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, Flooding, Landslides, And Mudslides | 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, Landslides, And Mudslides | Flood | Feb 15, 2023 |
| Severe Storms, Straight-line Winds, Flooding, And Tornadoes | Tornado | Dec 10, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Feb 15, 2025 | 10.00K (2 deaths) |
| Flash Flood | Apr 5, 2025 | 0.00K |
| Flash Flood | Jul 30, 2024 | 0.00K |
| Flash Flood | Feb 16, 2023 | 0.00K |
| Flash Flood | Feb 28, 2021 | 0.00K |
| Flood | Feb 28, 2021 | 0.00K |
| Flash Flood | Jul 17, 2020 | 0.00K |
| Flash Flood | Mar 12, 2020 | 0.00K |
| Flash Flood | Feb 23, 2019 | 0.00K |
| Flood | Feb 20, 2019 | 0.00K |
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 — Jul 30, 2024
A stationary front was located over the lower Ohio Valley from July 30th into July 31st, with upper level flow oriented from northwest to southeast across the region. This upper flow pattern brought multiple waves of showers and thunderstorms across southern Indiana and central Kentucky over this two day stretch. Scattered strong to severe storms mainly produced wind damage, with localized flas...
Flash Flood — Feb 16, 2023
A strong storm system moved through the Ohio Valley beginning late in the evening on February 15th and continuing through much of the day on February 16th. An amplified mid- and upper-level trough moved across the central Plains during this time period, with an associated surface disturbance transiting from the Red River Valley northeastward into the Ohio Valley. A surface warm front was locate...
Flash Flood — Feb 28, 2021
A stalled frontal boundary brought waves of heavy rainfall to central Kentucky from February 26 through February 28. This caused record rainfall, isolated severe winds, and even a tornado. As a result, Bowling Green set a February daily rainfall record with 5.11 on the 28th. The severe winds brought down some trees and a power pole, but the most property damage came from a brief EF1 tornado.
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 Hart 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 Hart 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.