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 Lyon 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.
General flooding events dominate the historical record over the last 30 years in Lyon County, Kentucky, accounting for 24 recorded occurrences alongside 12 flash flood events.
Recent weather patterns illustrate the local flood hazards. A low-pressure system brought moderate to heavy rain to Western Kentucky in January 2025, resulting in widespread 3 to 4 inch storm totals that caused flash flood and areal flood issues across the region. Additionally, significant flash flooding occurred in February 2025 when steady rains fell in waves as low-level moisture streamed northward over a stationary warm front along the Tennessee border.
Property owners and real estate professionals should pay close attention to these localized flood risks, particularly when evaluating properties located within identified flood zones or areas susceptible to rapid accumulation from heavy regional rainfall.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
17 NOAA storm reports from Lyon County describe what happened, in the words of the forecasters who covered it. Read the Kentucky flood stories →
22 federal disaster declarations since 1996.
| 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.
36 since 1996: 12 flash floods and 24 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Jan 30, 2025 | — |
| Flood | Feb 16, 2025 | — |
| Flash Flood | Feb 15, 2025 | — |
| Flood | Feb 15, 2025 | — |
| Flood | Dec 28, 2024 | — |
| Flash Flood | Mar 3, 2023 | — |
| Flood | Feb 20, 2019 | — |
| Flood | Feb 13, 2019 | $10,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 Graves/Hickman County…
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��� in the pre-d…
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��� in the pre-d…
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��� in the pre-d…
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 Lyon 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.