Enter any address in Ohio County, Kentucky to see its FEMA flood zone
Flash flooding from heavy rainfall is the dominant flood character in Ohio County, Kentucky. Between 2025 and 2025, NOAA Storm Events data recorded 100 events categorized as either flood or flash flood, resulting in one reported fatality. Recent events include flash flooding on February 15th and 16th, 2025, associated with a strong storm system that brought heavy rainfall to the Ohio and Tennessee Valleys.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A experienced an average payout of $7,369 with an average water depth of 0.1 feet. Claims in Zone X, though fewer in number, showed a higher average payout of $11,109 with an average water depth of 3.0 feet. Residents in Zone A and Zone X, as well as those in areas with unknown flood zone designations, should pay close attention to flood risk information.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
23 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Ohio County, Kentucky has recorded 100 flood-related events since 1996 according to NOAA's Storm Events Database, including 40 flash floods and 60 river or area floods. The county has received 30 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1971–2026)
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, 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 |
| Severe, Storms, Flooding, Landslides, And Mudslides | Flood | Feb 27, 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 | Feb 17, 2025 | 10.00K (1 deaths) |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 10.00K |
| Flash Flood | Apr 5, 2025 | 0.00K |
| Flash Flood | Jan 3, 2023 | 0.00K |
| Flash Flood | Jun 28, 2020 | 10.00K |
| Flash Flood | Jun 28, 2020 | 50.00K |
| Flash Flood | Jun 28, 2020 | 0.00K |
| Flash Flood | Jun 26, 2019 | 0.00K |
| Flash Flood | Feb 23, 2019 | 0.00K |
Flood — Feb 17, 2025
A strong storm system moved across the Ohio and Tennessee Valleys on February 15th and 16th, 2025, bringing heavy rainfall and flooding, severe weather, and winter weather to central Kentucky. The large scale upper level pattern featured deep troughing ejecting across the central CONUS, with broad southwesterly flow occurring in the low and mid troposphere. Southerly flow helped to draw rich mo...
Flash Flood — Feb 15, 2025
A strong storm system moved across the Ohio and Tennessee Valleys on February 15th and 16th, 2025, bringing heavy rainfall and flooding, severe weather, and winter weather to central Kentucky. The large scale upper level pattern featured deep troughing ejecting across the central CONUS, with broad southwesterly flow occurring in the low and mid troposphere. Southerly flow helped to draw rich mo...
Flash Flood — Apr 5, 2025
On the night of April 2nd, 2025, a cold front approached the lower Ohio Valley. Along and ahead of the cold front, numerous supercells developed over southern Illinois and western Kentucky. These storms tracked eastward and occasionally grew upscale into a QLCS with bowing segments. Storms lasted all night and into the morning hours, as the cold front began to stall over the lower Ohio Valley. ...
Flash Flood — Jan 3, 2023
During the overnight hours and into the morning on January 3rd, a strong system moved across central Kentucky, bringing isolated damaging wind gusts and widespread heavy rainfall. The system was associated with a negatively-tilted upper-level trough which moved from the Four Corners region on January 2nd to the upper Midwest by January 4th. A surface cyclone transited in a similar fashion to th...
Flash Flood — Jun 28, 2020
During a time without any major weather systems moving through the region, a moist atmosphere with differential heating and remaining outflows from earlier thunderstorms was enough for thunderstorms and heavy rain to develop across central Kentucky. This resulted in widespread wind damage, flooding, and even fires from lightning. An elderly man drowned and his wife was injured trying to drive t...
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 Ohio 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 Ohio 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.