Enter any address in Hopkins County, Kentucky to see its FEMA flood zone
Flash flooding and riverine flooding have both been significant concerns in Hopkins County over the past 30 years, with 35 flood events and 34 flash flood events recorded. Recent examples include significant flash flooding in February 2025, driven by persistent rainfall, and flooding issues that developed in May 2025 following a squall line.
National Flood Insurance Program (NFIP) claims data indicates that while Zone A areas have seen the most claims, properties in Zone X and Zone X_Unshaded have experienced higher average water depths and payouts. Homeowners in areas designated as Zone A, as well as those in Zone X and Zone X_Unshaded, should pay close attention to flood risk information.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
37 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Hopkins County, Kentucky has recorded 69 flood-related events since 1996 according to NOAA's Storm Events Database, including 34 flash floods and 35 river or area floods. The county has received 30 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1969–2026)
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, And Tornadoes | Tornado | Dec 10, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | May 20, 2025 | 0.00K |
| Flood | Feb 16, 2025 | 270.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | May 23, 2024 | 0.00K |
| Flood | Dec 18, 2024 | 0.00K |
| Flash Flood | Jul 17, 2024 | 0.00K |
| Flood | Nov 10, 2024 | 0.00K |
| Flood | Mar 25, 2023 | 0.00K |
| Flash Flood | Mar 24, 2023 | 0.00K |
| Flash Flood | Aug 29, 2022 | 5.00K |
Flood — May 20, 2025
A squall line moved eastward through Western Kentucky from mid to late afternoon ahead of an evening cold frontal passage. Several damaging wind reports were received, along with additional sub-severe wind gust observations. A funnel cloud was observed north of Crofton. Flooding issues developed in portions of the Kentucky Pennyrile. MLCAPE values were around 1000-1250J/kg, DCAPE was 700-1000J/...
Flood — Feb 16, 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 — 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 — May 23, 2024
Scattered afternoon convection became more numerous for the mid-afternoon hours in the northern Pennyrile. MLCAPE was around 1000 J/kg while shear was limited. Many of these showers had high rain rates due to PW of 1.5-1.75 inch, particularly along a west-east boundary that slowly drifted northward. Storm progression to the ENE brought extended periods of heavier rainfall from 1200-1600CST, wit...
Flood — Dec 18, 2024
As a strong storm system approached, two lines of thunderstorms moved eastward through west Kentucky late on the 17th and early on the 18th. Torrential rainfall from the second line of storms produced some street flooding in Madisonville around 4 AM CST on the 18th. Previously, that line of storms produced estimated wind gusts up to 55 mph in Mayfield at 312 AM CST. The two rounds of thundersto...
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 Hopkins 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 Hopkins 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.