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FEMA flood zones · Kentucky

Robertson County, Kentucky Flood Zone Map

1 federal flood & hurricane disasters

5% of Robertson County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Robertson County, Kentucky. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

In their words

1 NOAA storm reports from Robertson County describe what happened, in the words of the forecasters who covered it. Read the Kentucky flood stories →

Federal disasters

24 federal disaster declarations since 1993, 1 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter StormJan 23, 2026
Severe Storms, Straight-line Winds, Tornadoes, And FloodingApr 2, 2025
Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And MudslidesApr 2, 2025
Severe Storms, Straight-line Winds, Flooding, And LandslidesFeb 14, 2025
Severe Storms, Straight-line Winds, Flooding, Landslides, And MudslidesFeb 14, 2025
Remnants Of Hurricane HeleneSep 27, 2024
Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And MudslidesMar 3, 2023
Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And MudslideJul 11, 2015

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

14 since 1996: 6 flash floods and 8 river or area floods.

EventDateDamage
FloodJan 3, 2023—
Flash FloodJan 3, 2023—
Flash FloodMay 6, 2022—
FloodMar 1, 2017—
FloodMay 3, 2011$2,000
FloodFeb 22, 2003—
FloodMay 15, 2003—
FloodMay 10, 2003—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

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.

Flash Flood · May 6, 2022. Slow moving showers and thunderstorms produced locally heavy rainfall as a low pressure system moved east along a stationary boundary situated across the Ohio Valley.

Flood · Mar 1, 2017. An unseasonably warm and moist air mass was in place across the region during the morning hours of March 1st. Showers and thunderstorms developed across the Ohio Valley during the early morning hours as a strong low pressure system lifted northeast into the Great Lakes region. These storms produced heavy rain, large hail and several tornadoes. A squall line then moved through the region during the mid morning hour…

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Robertson County

If a building in Robertson County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.