Enter any address in Owen County, Kentucky to see its FEMA flood zone
Flash flooding from scattered thunderstorms dominates the flood character of Owen County, Kentucky. Over the past 30 years, NOAA Storm Events data shows 37 flash flood events and 29 flood events. Recent examples include widespread flooding on February 17, 2022, caused by 1.5 to 2.5 inches of rain, and flash flooding on January 3, 2023, associated with showers and thunderstorms ahead of a low-pressure system.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A experience frequent flooding, with an average water depth of 4.1 feet and an average payout of $21,229. Properties in zones with unknown flood risk also see claims, with an average water depth of 4.8 feet and an average payout of $6,604. Homeowners in areas designated as Zone A, as well as those in proximity to waterways or without a known Base Flood Elevation (BFE), should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
1 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Owen County, Kentucky has recorded 66 flood-related events since 1996 according to NOAA's Storm Events Database, including 37 flash floods and 29 river or area floods. The county has received 23 federal disaster declarations, 5 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, 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, Tornadoes, Flooding, Landslides, And Mudslides | Severe Storm | Mar 3, 2023 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides | Severe Storm | Feb 6, 2019 |
| Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides | Flood | Feb 21, 2018 |
| Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides | Flood | Apr 2, 2015 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 30, 2025 | 2.00K |
| Flash Flood | Feb 16, 2025 | 0.00K |
| Flood | May 15, 2024 | 0.00K |
| Flash Flood | Jan 3, 2023 | 40.00K |
| Flash Flood | Jan 3, 2023 | 0.00K |
| Flood | Feb 17, 2022 | 0.00K |
| Flood | May 14, 2022 | 0.00K |
| Flood | Aug 4, 2022 | 0.00K |
| Flood | Feb 28, 2021 | 0.00K |
| Flash Flood | Jun 13, 2021 | 30.00K |
Flash Flood — Apr 30, 2025
Scattered thunderstorms developed during the afternoon hours as a warm front lifted north across 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 — May 15, 2024
Scattered thunderstorms during the morning hours produced heavy rainfall and localized flooding.
Flash Flood — Jan 3, 2023
Showers and thunderstorms developed during the morning hours ahead of a low pressure system moving through the Ohio Valley.
Flood — Feb 17, 2022
Rain overspread the region through the day ahead of a low pressure system moving through the Ohio Valley. Rainfall amounts of 1.5 to 2.5 inches produced widespread flooding.
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 Owen 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 Owen 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.