Enter any address in Henderson County, Kentucky to see its FEMA flood zone
River overflow along the Ohio and Green Rivers is a significant flood concern for Henderson County. Over the last 30 years, NOAA Storm Events data shows 80 flood events and 31 flash flood events. Recent examples include major flooding on the Green River in February 2025, where the river at Calhoun crested above major flood stage, causing damage to numerous structures in areas like Rumsey and lower Calhoun. Another flood event in October 2025 was associated with low pressure and tropical moisture.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A, which typically have higher flood risk, have experienced the most claims, with an average payout of $17,159 and an average water depth of 3.1 feet. While fewer claims occur in Zone X_UNSHADED, they still show significant payouts and water depth. Homeowners and businesses located in or near riverine floodplains, particularly in Zone A, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
54 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Henderson County, Kentucky has recorded 111 flood-related events since 1996 according to NOAA's Storm Events Database, including 31 flash floods and 80 river or area floods. The county has received 23 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 (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, Flooding, Landslides, And Mudslides | Severe Storm | Feb 14, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Severe Storm | Mar 3, 2023 |
| Severe Storms, Flooding, Landslides, And Mudslides | Severe Storm | Feb 3, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides | Severe Storm | Feb 6, 2019 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jul 18, 2025 | 0.00K |
| Flood | Feb 18, 2025 | 0.00K |
| Flash Flood | Jul 17, 2025 | 0.00K |
| Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | Jul 14, 2025 | 100.00K |
| Flood | Feb 10, 2025 | 0.00K |
| Flood | Feb 9, 2025 | 0.00K |
| Flood | Oct 7, 2025 | 0.00K |
| Flood | Jan 30, 2024 | 0.00K |
| Flood | Jan 29, 2024 | 0.00K |
Flood — Jul 18, 2025
A surface boundary was positioned west to east across the Quad State during the early afternoon with convective activity increasing with daytime heating. Scattered convection primarily occurred south of the boundary mid to late afternoon. MLCAPE reached 2000-3000J/kg but effective bulk shear was very limited. Precipitable water values over 2 allowed for torrential rainfall rates. Training storm...
Flood — Feb 18, 2025
Two waves of heavy rainfall (2-7) over the Ohio, Tennessee, and Green River Valleys on the 15th resulted in minor flooding along a large portion of the Ohio River, including the Evansville, Henderson, Golconda, Smithland, and Cairo areas. Minor and moderate flooding occurred around Owensboro, Paducah, and Olmsted. The river crested at moderate flood levels at Owensboro (44.1 feet), Paducah (43....
Flash Flood — Jul 17, 2025
A surface cold front stalled out as it moved towards the northern edge of the Quad State on the 17th. Showers and thunderstorms developed during the afternoon hours, tracking eastward, including a broken line of storms moving through the Evansville Tri-State area mid-afternoon. An outflow boundary from a decayed MCS to the north helped initiate some of the storm development. MLCAPE was a very s...
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�...
Flash Flood — Jul 14, 2025
A stationary boundary was positioned on the northern edge of the Quad State region throughout the 14th. Early morning showers and storms moving eastward across Western Kentucky produced a small funnel cloud. Late afternoon into the evening, additional storms developed as a shortwave moved through. Torrential rainfall over Henderson led to significant flash flooding issues late evening in the city.
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 Henderson 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 Henderson 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.