Enter any address in Livingston County, Kentucky to see its FEMA flood zone
River overflow along the Ohio River is the dominant flood character for Livingston County. Between 1993 and 2023, NOAA Storm Events data recorded 51 flood events and 22 flash flood events in the county. For example, in February 2022, heavy rainfall led to river flooding that inundated low-lying fields and woodlands, closing roads such as Kentucky 137 near Bayou. Earlier in February 2025, minor flooding occurred along the Ohio River, with the river cresting at moderate flood levels near Paducah.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A experienced 8 claims with an average payout of $28,278 and an average water depth of 0.9 feet. Properties in Zone X had 5 claims, averaging $22,108 with 1.2 feet of water. Residents in flood-prone areas, particularly those near rivers and in Zone A or X, should pay close attention to flood risks.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
33 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Livingston County, Kentucky has recorded 73 flood-related events since 1996 according to NOAA's Storm Events Database, including 22 flash floods and 51 river or area floods. The county has received 29 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 (1975–2026)
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, 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 |
| 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 | Feb 17, 2025 | 0.00K |
| Flood | Feb 22, 2022 | 0.00K |
| Flood | Mar 1, 2022 | 0.00K |
| Flash Flood | Jul 11, 2021 | 50.00K |
| Flood | Mar 3, 2021 | 6.00K |
| Flood | Mar 23, 2020 | 0.00K |
| Flood | Feb 12, 2020 | 0.00K |
| Flood | Apr 1, 2020 | 0.00K |
| Flood | Feb 11, 2019 | 400.00K |
| Flood | Jan 4, 2019 | 0.00K |
Flood — Feb 17, 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....
Flood — Feb 22, 2022
Several rounds of heavy rain and thunderstorms moved across the region on the 17th. Rainfall of 3 to 5 inches created pockets of road flooding, along with flash flooding of creeks that affected several dwellings. Larger rivers rose out of their banks in subsequent days. The heavy rain occurred ahead of a cold front as it entered southeast Missouri and southern Illinois from the northwest. Weak ...
Flood — Mar 1, 2022
River flooding continued from February into mid March. During March, the flooding was minor on the Green River and most of the Ohio River except moderate near the Paducah gage. A few of the most flood-prone roads in the flood plain were closed, such as Kentucky 137 near Bayou in Livingston County and Highway 667 in Union County. Low-lying fields and woodlands were inundated, primarily dormant c...
Flash Flood — Jul 11, 2021
Clusters of thunderstorms developed during the late afternoon hours, then moved east into western Kentucky in the evening. Some of the largest clusters were associated with sporadic gusty winds in the 40 to 60 mph range. By late evening, storms became widespread, resulting in significant flash flooding which continued through the overnight hours. The storm complex occurred ahead of a mid-level ...
Flood — Mar 3, 2021
Heavy rain on February 28th sent the Ohio and Green Rivers above flood stage early in March. The flooding was moderate in some places, especially on the Green River.
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 Livingston 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 Livingston 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.