Enter any address in Mason County, Kentucky to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Mason County, KY. Over the last 30 years, NOAA Storm Events data shows 40 flood events and 35 flash flood events, with one recorded fatality. Recent events include flash flooding on July 20, 2025, associated with a stalled stationary front, and widespread flooding on April 5, 2025, from showers and thunderstorms moving along a frontal boundary.
NFIP claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $20,558 and an average water depth of 2.4 feet. While fewer claims have been filed in Zone X_UNSHADED and Zone UNKNOWN, they still represent a risk. Homeowners in Zone A, as well as those in other flood zones or areas without a defined Base Flood Elevation (BFE), should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
2 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Mason County, Kentucky has recorded 75 flood-related events since 1996 according to NOAA's Storm Events Database, including 35 flash floods and 40 river or area floods. The county has received 23 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1968–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | 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 | Apr 2, 2024 |
| Severe, Storms, Flooding, Landslides, And Mudslides | Flood | Feb 27, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Winter Storm, Snowstorm, Flooding, Landslides, And Mudslides | Flood | Mar 3, 2015 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Apr 12, 2011 |
| Severe Storms, Flooding, And Mudslides | Severe Storm | Jul 17, 2010 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 20, 2025 | 30.00K |
| Flash Flood | Jul 20, 2025 | 5.00K |
| Flood | Feb 16, 2025 | 0.00K |
| Flash Flood | Feb 16, 2025 | 0.00K |
| Flood | Apr 5, 2025 | 0.00K |
| Flood | Feb 16, 2023 | 0.00K |
| Flood | Jan 3, 2023 | 0.00K |
| Flood | Feb 17, 2022 | 0.00K |
| Flash Flood | May 6, 2022 | 0.00K |
| Flood | Jan 1, 2022 | 0.00K |
Flash Flood — Jul 20, 2025
A stationary front stalled out along the Ohio Valley contributing to a warm and humid airmass. Showers and thunderstorms developed along this frontal boundary and some storms produced damaging winds.
Flood — Feb 16, 2025
A low pressure system brought heavy rainfall to the region as it moved through the Ohio Valley.
Flash Flood — Feb 16, 2025
A low pressure system brought heavy rainfall to the region as it moved through the Ohio Valley.
Flood — Apr 5, 2025
Widespread showers and thunderstorms occurred across the region as waves of low pressure moved east along a frontal boundary that was stalled out along the Ohio River.
Flood — Feb 16, 2023
Showers and thunderstorms developed ahead of a cold front moving through the Ohio Valley.
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 Mason 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 Mason 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.