Enter any address in Lyon County, Kentucky to see its FEMA flood zone
Flash flooding from heavy rainfall events is the dominant flood character in Lyon County. Between 1996 and 2023, NOAA Storm Events data recorded 24 flood events and 12 flash flood events in the county. For example, in January 2025, widespread 3 to 4 inch rainfall totals led to flash flood and areal flood issues, with water rescues and stranded vehicles reported. In February 2025, a stationary warm front contributed to significant flash flooding across western Kentucky, with steady rains causing flood waters to rise.
Residents in areas designated as Special Flood Hazard Areas (SFHAs) by FEMA should pay the most attention to flood risk. Properties located near rivers and streams, as well as homes without a Base Flood Elevation (BFE) certification, are particularly susceptible to flood impacts.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
17 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Lyon County, Kentucky has recorded 36 flood-related events since 1996 according to NOAA's Storm Events Database, including 12 flash floods and 24 river or area floods. The county has received 22 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1996–2026)
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 |
| 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 | Jan 30, 2025 | 0.00K |
| Flood | Feb 16, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flood | Feb 15, 2025 | 0.00K |
| Flood | Dec 28, 2024 | 0.00K |
| Flash Flood | Mar 3, 2023 | 0.00K |
| Flood | Feb 20, 2019 | 0.00K |
| Flood | Feb 13, 2019 | 10.00K |
| Flood | Mar 1, 2019 | 0.00K |
| Flood | Feb 23, 2018 | 75.00K |
Flood — Jan 30, 2025
A low pressure system pushing northeastward through the Quad State region brought moderate to heavy rain to Western Kentucky for the midday through evening hours. Flash flood and areal flood issues developed late afternoon to early evening in the Purchase Area and Southern Pennyrile where widespread 3 to 4 inch storm total precipitation observations occurred. A water rescue occurred near the Gr...
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�...
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�...
Flood — Dec 28, 2024
A rapidly developing low pressure system moved northeastward through the Quad State region from the evening of the 28th through the morning of the 29th. Standing water occurred in Fulton and Lyon Counties during the evening as the first round of rain moved through. Strong northwesterly wind gusts were observed in Northwest Kentucky late morning on the 29th as a wrap-around band of showers moved...
Source: NOAA National Weather Service Storm Events Database.
FEMA assigns flood zone designations to areas in Lyon 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 Lyon 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.