Enter any address in Pendleton County, Kentucky to see its FEMA flood zone
Flood events, including flash floods, are the primary flood character in Pendleton County. Over the last 30 years, NOAA data shows 45 flood events and 24 flash flood events. Recent examples include showers and thunderstorms on January 3, 2023, which led to both flood and flash flood conditions.
NFIP claims data indicates that properties in Zone A have experienced a significant number of claims, with an average payout of $27,945 and an average water depth of 7.9 feet. However, properties in Zone X_UNSHADED have also seen claims with a higher average payout of $42,963, despite a lower average water depth of 3.5 feet.
Residents in Zone A, as well as those in Zone X_UNSHADED, should pay particular attention to flood risk. Homeowners in these areas may face substantial financial impacts from flooding.
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.
Pendleton County, Kentucky has recorded 69 flood-related events since 1996 according to NOAA's Storm Events Database, including 24 flash floods and 45 river or area floods. The county has received 22 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, Tornadoes, Flooding, Landslides, And Mudslides | Severe Storm | Apr 2, 2025 |
| Severe Storms, Straight-line Winds, Flooding, And Landslides | Severe Storm | Feb 14, 2025 |
| 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 Winter Storms, Snowstorms, Flooding, Landslides, And Mudslides | Snowstorm | Feb 15, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | Feb 29, 2012 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | May 8, 2025 | 15.00K |
| Flood | Apr 7, 2025 | 0.00K (1 deaths) |
| Flood | Jan 3, 2023 | 0.00K |
| Flash Flood | Jan 3, 2023 | 0.00K |
| Flood | Feb 17, 2022 | 0.00K |
| Flood | Feb 28, 2021 | 0.00K |
| Flood | Apr 28, 2021 | 0.00K |
| Flood | May 25, 2020 | 0.00K |
| Flood | May 24, 2020 | 0.00K |
| Flash Flood | Jun 17, 2019 | 25.00K |
Flash Flood — May 8, 2025
Showers and thunderstorms developed in a warm and unstable airmass.
Flood — Apr 7, 2025
Rivers and streams remained high due to earlier heavy rainfall.
Flood — Jan 3, 2023
Showers and thunderstorms developed during the morning hours ahead of a low pressure system moving through the Ohio Valley.
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 Pendleton 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 Pendleton 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.