Enter any address in Montgomery County, Kentucky to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Montgomery County. Over the past 30 years, NOAA Storm Events data shows 51 flash flood events and 26 general flood events. Recent events include flooding on February 16, 2023, and flash flooding on April 2, 2025, both linked to weather systems moving through the Ohio Valley.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $18,498 and an average water depth of 4.6 feet. Zone X_Unshaded areas also saw significant claims, averaging $15,921 with water depths of 4.0 feet. Properties in Zone X had fewer claims but higher average payouts of $30,530, with an average water depth of 0.8 feet.
Homeowners in Zone A, Zone X_Unshaded, and those located near rivers or in low-lying areas should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
28 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Montgomery County, Kentucky has recorded 77 flood-related events since 1996 according to NOAA's Storm Events Database, including 51 flash floods and 26 river or area floods. The county has received 24 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1974–2026)
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 |
| Remnants Of Hurricane Helene | Tropical Storm | Sep 27, 2024 |
| Severe Winter Storms, Landslides, And Mudslides | Severe Ice Storm | Feb 8, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide | Severe Storm | Jul 11, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | Feb 29, 2012 |
| Severe Storms, Flooding, Mudslides, And Tornadoes | Severe Storm | May 1, 2010 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 4, 2025 | 0.00K |
| Flood | Feb 16, 2023 | 0.00K |
| Flash Flood | Jul 5, 2022 | 0.00K |
| Flood | May 19, 2020 | 0.40K |
| Flood | May 19, 2020 | 11.00K |
| Flood | May 19, 2020 | 10.00K |
| Flash Flood | May 31, 2019 | 0.00K |
| Flood | Feb 20, 2019 | 0.00K |
| Flood | Dec 16, 2019 | 2.50K |
| Flood | Dec 16, 2019 | 1.00K |
Flash Flood — Apr 4, 2025
On the afternoon of the 2nd a strong surface low was located over the MN/WI area, with a warm front extending southwest through the OH valley, and a trailing cold front extending SSE through the Ozarks. By 00Z (the evening of the 2nd), a strong convective squall line had developed across the Ohio and Mississippi Valley which slowly continued east through the evening. By early morning on the 3rd...
Flood — Feb 16, 2023
A low pressure center was slowly tracking into western Kentucky during the first part of the day on Wedensday, with a stationary front positioned along the Ohio River, and keeping much of eastern Kentucky in a warm, moist, and unstable airmass. Showers and thunderstorms were ongoing through much of the morning, leading to multiple flooding reports across the region. Then by the afternoon, the l...
Flash Flood — Jul 5, 2022
Kentucky was experiencing warm and moist SW flow heading through the day on July 5, while flow in the mid and upper levels was more westerly. While no forcing mechanism was in place across the state )as far as low pressure center, shortwave, or frontal boundary) and the better severe weather concerns were concentrated well to our NW, the low level wind sheer and decent Cape values were enough t...
Flood — May 19, 2020
A slow moving low pressure system drifted across the Ohio Valley on May 18 and 19, bringing several rounds of heavy rain to the eastern reaches of the Commonwealth. The hardest hit areas spanned from the Cumberland Valley to the Bluegrass region where widespread rainfall amounts of 3-6 inches fell over the two day period. This caused several road closures and flooding of low lying areas as poin...
Flash Flood — May 31, 2019
Numerous showers and thunderstorms developed this afternoon as an upper level trough moved across eastern Kentucky. Repeated rounds of thunderstorms and heavy rain led to isolated flash flooding in southeastern Montgomery County, while a portion of Pike County experienced flooding issues. Elsewhere, isolated small hail up to nickel size occurred due to cold temperatures aloft.
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 Montgomery 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 Montgomery 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.