Enter any address in Marshall County, Kentucky to see its FEMA flood zone
Flash flooding from heavy rainfall events is a significant concern in Marshall County. Over the past 30 years, NOAA Storm Events data recorded 38 flash flood events and 34 flood events, which resulted in one fatality. Recent examples include significant flash flooding reported in February 2025, following periods of steady, heavy rain. Another event in January 2025 led to flash flooding and areal flooding issues, with widespread rainfall totals of 3 to 4 inches observed, resulting in stranded vehicles.
National Flood Insurance Program (NFIP) claims data indicates that properties designated as Zone A have experienced the most claims, with an average payout of $19,977 and an average water depth of 3.3 feet. Properties in Zone X also saw claims, with an average payout of $25,112 and an average water depth of 1.1 feet, while Zone X_UNSHADED properties had fewer claims with an average payout of $3,584 and an average water depth of 1.4 feet. Homeowners in Zone A, and those in areas with a history of flooding, should pay particular attention to their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
39 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Marshall County, Kentucky has recorded 72 flood-related events since 1996 according to NOAA's Storm Events Database, including 38 flash floods and 34 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 |
| Severe Storms, Straight-line Winds, Flooding, And Tornadoes | Tornado | Dec 10, 2021 |
| Covid-19 | 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 | 1.50M |
| Flash Flood | Feb 15, 2025 | 100.00K |
| Flash Flood | Feb 15, 2025 | 25.00K |
| Flood | Feb 15, 2025 | 10.00K |
| Flood | Feb 15, 2025 | 0.00K |
| Flood | May 8, 2024 | 0.00K |
| Flash Flood | Mar 24, 2023 | 0.00K |
| Flash Flood | Jul 19, 2023 | 50.00K |
| Flash Flood | Mar 3, 2023 | 0.00K |
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 — May 8, 2024
A major outbreak of severe weather occurred on the 8th for the Quad State region. On the synoptic scale, a longwave trough was centered across the Rockies with deep-layer southwesterly flow from the Southern Plains to the Ohio Valley. A 110 kt upper jet extended from northern KS to IA while a 60 kt mid-level jet was positioned across northern MZ into IA. Surface low pressure near the MZ/KS bord...
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 Marshall 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 Marshall 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.