Enter any address in Larue County, Kentucky to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in LaRue County. Between 2023 and 2024, NOAA Storm Events data recorded 22 flash flood events and 9 flood events. Recent examples include minor flash flooding along U.S. Route 31E in northern LaRue County on May 3, 2024, following heavy rainfall from a persistent thunderstorm cell. Another flash flood event occurred on March 6, 2022, due to a cold front causing heavy rainfall and thunderstorms.
National Flood Insurance Program (NFIP) data shows that properties in Zone A have experienced the most claims, with 13 claims averaging $8,641 in payouts and an average water depth of 1.8 feet. Properties in Zone Unknown also had claims, with 6 claims averaging $1,599 and 1.3 feet of water depth. Homeowners in Zone A and those in areas with unknown flood risk should pay the most attention to potential flood hazards.
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.
Larue County, Kentucky has recorded 31 flood-related events since 1996 according to NOAA's Storm Events Database, including 22 flash floods and 9 river or area floods. The county has received 25 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1970–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, And Tornadoes | Severe Storm | May 16, 2025 |
| 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 | May 21, 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 Winter Storm, Snowstorm, Flooding, Landslides, And Mudslides | Flood | Mar 3, 2015 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | May 3, 2024 | 0.00K |
| Flood | Jul 24, 2023 | 0.00K |
| Flash Flood | Feb 16, 2023 | 0.00K |
| Flash Flood | Mar 6, 2022 | 0.00K |
| Flash Flood | Aug 14, 2021 | 0.00K |
| Flash Flood | Jul 17, 2020 | 0.00K |
| Flood | Jul 5, 2020 | 0.00K |
| Flash Flood | Feb 24, 2019 | 0.00K |
| Flash Flood | Feb 23, 2019 | 0.00K |
| Flood | Aug 5, 2015 | 0.00K |
Flash Flood — May 3, 2024
Scattered showers and thunderstorms moved across central and southern Kentucky during the afternoon and evening hours on May 3rd. One particular cell remained across portions of LaRue County for an extended period of time, resulting in heavy rainfall totals. This heavy rainfall resulted in minor flash flooding along U.S. Route 31E in northern LaRue County.
Flood — Jul 24, 2023
While the synoptic scale pattern on July 24th and 25th, 2023 had a similar appearance to earlier events in the month with large scale troughing across the Ohio Valley, the flow aloft was generally weaker, which limited the overall severe potential to more of a typical summertime event. On the other hand, instability values were quite impressive, with 2500-3500 J/kg of mixed-layer CAPE developin...
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 — Mar 6, 2022
On the evening of March 6th, a cold front dropped south through central Kentucky. This caused heavy rainfall and thunderstorms to develop over the area. Multiple counties saw minor flash flooding issues, and one storm started a structure fire with a lightning strike.
Flash Flood — Aug 14, 2021
On the 14th, a cold front worked its way south through central Kentucky to Tennessee, but by the 16th, the slow moving front was on its way back north as a warm front. Even though the threat of severe weather was low, the moist environment produced isolated flash flooding in two central Kentucky counties.
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 Larue 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 Larue 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.