Enter any address in Henry County, Kentucky to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent type of flood event in Henry County, KY, with 18 recorded instances in the last 30 years, compared to 9 instances of general flooding. For example, heavy rainfall caused urban flooding issues across the county on September 3, 2020. Earlier, on February 24, 2018, widespread flash flooding occurred with most streams and creeks overflowing.
National Flood Insurance Program (NFIP) data shows that properties in Zone A have experienced the most claims, with an average payout of $23,958 and an average water depth of 7.5 feet. Zone X properties have also seen claims, averaging $12,608 with 3.2 feet of water. Homeowners in areas designated as Zone A, as well as those near rivers and streams, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
11 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Henry County, Kentucky has recorded 27 flood-related events since 1996 according to NOAA's Storm Events Database, including 18 flash floods and 9 river or area floods. The county has received 23 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 (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, Flooding, Landslides, And Mudslides | Severe Storm | Feb 14, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, Landslides, And Mudslides | Severe Storm | Apr 2, 2024 |
| 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, 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 |
|---|---|---|
| Flash Flood | Sep 3, 2020 | 0.00K |
| Flash Flood | Feb 24, 2018 | 85.00K |
| Flood | Feb 23, 2018 | 0.00K |
| Flash Flood | Aug 3, 2017 | 0.00K |
| Flood | Apr 15, 2015 | 0.00K |
| Flood | Mar 14, 2015 | 0.00K |
| Flash Flood | Jul 14, 2015 | 0.00K |
| Flood | Mar 5, 2015 | 0.00K |
| Flood | Apr 3, 2015 | 0.00K |
| Flash Flood | Apr 4, 2014 | 0.00K |
Flash Flood — Sep 3, 2020
Early on September 2nd, a couple of cold fronts with embedded lows headed south towards central Kentucky. The first of these front passed through Kentucky on the 2nd. This brought isolated severe wind damage and flooding, but as the second low/cold front moved through on the 3rd, heavy rainfall caused urban flooding issues across Jefferson County.
Flash Flood — Feb 24, 2018
A stalled frontal boundary interacting with highly anomalous moisture from the Gulf of Mexico interacted with multiple weather systems that brought widespread heavy rainfall and severe thunderstorms to central Kentucky February 24 through the early morning hours February 25. A Flash Flood Emergency was issued for Jefferson County, KY including Louisville metro. There were over 50 water rescues ...
Flood — Feb 23, 2018
Repeated rounds of moderate to heavy rainfall across the entire Ohio River basin totaled between 8 to 9 inches across central Kentucky from February 15 to February 28. These totals were generally 7+ inches, or 200 to 400% of normal values for mid to late February. The large areal extent of the excessive rainfall led to significant rises on area rivers, including the Ohio River. The Ohio River a...
Flash Flood — Aug 3, 2017
Afternoon to evening thunderstorms developed the first few days of August 2017. The atmosphere was plenty unstable but a lack of deep wind shear prevented storms from being anything more organized than pulse and marginally severe. A few instances of 1 inch hail was reported along with isolated reports of downed trees and 55 to 60 mph wind gusts.
Flood — Apr 15, 2015
After a very wet start to April 2015, another slow moving system brought widespread heavy rain to portions of central Kentucky. Widespread amounts of 2 to 4 inches fell across central and southern Kentucky. Isolated 5 inch amounts were reported. This rain fell on top of already saturated ground and swollen rivers, creeks and streams and as a result, many rivers went into flood for a period of 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 Henry 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 Henry 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.