35 flood insurance claims·$499,483 paid·1 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Logan County, Kentucky. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding dominates the flood character of Logan County, accounting for 46 of the 58 total flood events recorded over the last 30 years by the NOAA Storm Events Database, alongside 12 general flood events. Recent weather patterns illustrate this hazard, including heavy rainfall and flooding from a strong storm system on February 15 and 16, 2025, as well as prolonged storms along a stalling cold front starting April 2, 2025. Additional flash flooding occurred on May 8 and 9, 2024, driven by a quasi-stationary frontal boundary across the Ohio Valley.
National Flood Insurance Program claims data indicates that property owners in specific zones experience varying impacts. Zone A accounts for 24 claims with an average payout of $21,718 and an average recorded water depth of 13 inches. Zone X records 5 claims with an average payout of $29,975 and an average recorded water depth of 30 inches. Zone UNKNOWN lists 3 claims averaging $17,791 with an average water depth of 4 inches, while Zone X_UNSHADED shows 2 claims averaging $438 with an average depth of 2 inches, and Zone X_SHADED records 1 claim with a $0 payout and 0 inches of average water depth.
Property owners in Zone A and Zone X should pay the most attention to flood risk, given the higher volume of claims and significant average water depths recorded in these areas.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
11% of Logan County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
27 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 15 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2017, with 5 claims and $87,019 paid.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
23 NOAA storm reports from Logan County describe what happened, in the words of the forecasters who covered it. Read the Kentucky flood stories →
19 federal disaster declarations since 1969, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, And Tornadoes | May 16, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 2, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Apr 2, 2025 |
| Severe Storms, Straight-line Winds, Flooding, And Landslides | Feb 14, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, Landslides, And Mudslides | May 21, 2024 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Mar 3, 2023 |
| Severe Storms, Straight-line Winds, Flooding, And Tornadoes | Dec 10, 2021 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
58 since 1996: 46 flash floods and 12 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Feb 15, 2025 | — |
| Flash Flood | Apr 5, 2025 | — |
| Flash Flood | May 9, 2024 | — |
| Flash Flood | May 8, 2024 | — |
| Flash Flood | Jun 3, 2024 | — |
| Flash Flood | Feb 28, 2021 | — |
| Flood | Feb 28, 2021 | — |
| Flash Flood | Jun 26, 2019 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Feb 15, 2025. A strong storm system moved across the Ohio and Tennessee Valleys on February 15th and 16th, 2025, bringing heavy rainfall and flooding, severe weather, and winter weather to central Kentucky. The large scale upper level pattern featured deep troughing ejecting across the central CONUS, with broad southwesterly flow occurring in the low and mid troposphere. Southerly flow helped to draw rich moisture up from the G…
Flash Flood · Apr 5, 2025. On the night of April 2nd, 2025, a cold front approached the lower Ohio Valley. Along and ahead of the cold front, numerous supercells developed over southern Illinois and western Kentucky. These storms tracked eastward and occasionally grew upscale into a QLCS with bowing segments. Storms lasted all night and into the morning hours, as the cold front began to stall over the lower Ohio Valley. These storms left be…
Flash Flood · May 9, 2024. On May 8th and 9th, 2024, a quasi-stationary frontal boundary was draped from west to east across the Ohio Valley. Storms from the previous evening across southern Indiana and north central Kentucky had helped to stabilized the environment in those locations, though areas in southern Kentucky still had a good amount of instability and shear to work with during the afternoon and evening hours on May 8th. Early in t…
Flash Flood · May 8, 2024. On May 8th and 9th, 2024, a quasi-stationary frontal boundary was draped from west to east across the Ohio Valley. Storms from the previous evening across southern Indiana and north central Kentucky had helped to stabilized the environment in those locations, though areas in southern Kentucky still had a good amount of instability and shear to work with during the afternoon and evening hours on May 8th. Early in t…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Logan County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.