Enter any address in Jessamine County, Kentucky to see its FEMA flood zone
Flash flooding from heavy rainfall events dominates the flood character of Jessamine County. Recent events include flash flooding on June 26, 2018, caused by training storms and heavy rain, and on September 9, 2018, associated with the remnants of Tropical Storm Gordon interacting with a stationary front.
National Flood Insurance Program (NFIP) data shows that properties in Zone A have experienced the highest number of claims, with an average payout of $27,688 and an average water depth of 6.0 feet. Properties in Zone X_UNSHADED have also seen significant claims, with an average payout of $14,720 and an average water depth of 7.5 feet, indicating substantial flooding can occur outside of high-risk areas. Homeowners in Zone A, as well as those in Zone X_UNSHADED and Zone UNKNOWN, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
9 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Jessamine County, Kentucky has recorded 27 flood-related events since 1996 according to NOAA's Storm Events Database, including 13 flash floods and 14 river or area floods. The county has received 25 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 (1968–2026)
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, Landslides, And Mudslides | Severe Storm | Apr 2, 2024 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Severe Storm | Mar 3, 2023 |
| Severe, Storms, Flooding, Landslides, And Mudslides | Flood | Feb 27, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Winter Storms, Snowstorms, Flooding, Landslides, And Mudslides | Snowstorm | Feb 15, 2015 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jun 26, 2018 | 0.00K |
| Flash Flood | Sep 9, 2018 | 0.00K |
| Flash Flood | Jul 2, 2018 | 100.00K |
| Flood | Jul 2, 2018 | 0.00K |
| Flood | Dec 25, 2015 | 10.00K |
| Flash Flood | Jul 14, 2015 | 0.00K |
| Flood | Jun 4, 2014 | 0.00K |
| Flood | May 2, 2010 | 500.00K |
| Flood | May 2, 2010 | 100.00K |
| Flood | Sep 26, 2009 | 0.00K |
Flood — Jun 26, 2018
On the second day of heavy rain across central Kentucky, a quasi-stationary boundary was draped across the area. Training storms across south central KY in the morning resulted in significant flash flooding. Strong to severe thunderstorms then developed during the late morning across east central KY. As these storms moved off to the east another round of storms moved in from the west in respon...
Flash Flood — Sep 9, 2018
On September 5, 2018, the remnants of Tropical Storm Gordon moved north from the Gulf of Mexico. It carried copious amounts of moisture as it continued to rotate while slowly moving north. In Kentucky, the outer bands of the system brought showers and thunderstorms that produced isolated wind damage September 5 and 6. By September 8th, Gordon was centered in southeast Missouri with much of i...
Flash Flood — Jul 2, 2018
Central Kentucky sat on the western side of a strong upper ridge, but as a trough moved in from the west, it caused severe weather and flooding issues on the 2nd. High precipitable water values around 2 and lingering boundaries caused heavy rain and flooding issues on the 3rd as well.
Flood — Jul 2, 2018
Central Kentucky sat on the western side of a strong upper ridge, but as a trough moved in from the west, it caused severe weather and flooding issues on the 2nd. High precipitable water values around 2 and lingering boundaries caused heavy rain and flooding issues on the 3rd as well.
Flood — Dec 25, 2015
Moist southerly flow impinging on a stalled frontal boundary resulted in widespread moderate to heavy rainfall with embedded thunderstorms across southern Kentucky. Rainfall amounts between 1 and 2 inches were reported and this resulted in flooding issues. A few roads were flooded as local streams and creeks responded to the heavy rainfall.
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 Jessamine 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 Jessamine 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.