11 flood insurance claims·$139,670 paid·1 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Todd 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.
Flash flooding driven by heavy seasonal rainfall and thunderstorms dominates the flood profile of Todd County, Kentucky. Over the last 30 years, the NOAA Storm Events Database has recorded 39 flash flood events and 23 general flood events. Recent activity includes significant flash flooding in May 2024, driven by a major severe weather outbreak with a longwave trough and deep-layer southwesterly flow. Another notable flash flood event occurred in February 2025, triggered by anomalously high low-level moisture streaming northward over a stationary warm front along the Tennessee border, with early reports originating in Guthrie.
National Flood Insurance Program records indicate that property damage occurs in both designated high-risk and moderate-to-low-risk areas. Zone A properties have accounted for 7 claims with an average payout of $20,442 and an average recorded water depth of 24 inches. Meanwhile, Zone X properties have experienced 4 claims with an average payout of $9,365 and an average recorded water depth of 0 inches.
Homeowners, real estate agents, and journalists working in Todd County should pay the closest attention to properties situated within Zone A, where historical claims demonstrate a higher risk of structural water depth and larger financial losses.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 24 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2016, with 5 claims and $91,632 paid, the year of Severe Storm, Tornadoes, Flooding, Landslides, and Mudslides.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
29 NOAA storm reports from Todd County describe what happened, in the words of the forecasters who covered it. Read the Kentucky flood stories →
20 federal disaster declarations since 1969, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, And Tornadoes | May 16, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 2, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Apr 2, 2025 |
| Severe Storms, Straight-line Winds, Flooding, And Landslides | Feb 14, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, Landslides, And Mudslides | May 21, 2024 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides | Mar 3, 2023 |
| Severe Storms, Straight-line Winds, Flooding, And Tornadoes | Dec 10, 2021 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
62 since 1996: 39 flash floods and 23 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Feb 15, 2025 | — |
| Flash Flood | May 26, 2024 | — |
| Flood | May 8, 2024 | — |
| Flash Flood | May 8, 2024 | — |
| Flash Flood | Sep 28, 2023 | $10,000 |
| Flash Flood | Aug 27, 2023 | — |
| Flash Flood | Jan 9, 2022 | — |
| Flash Flood | Feb 28, 2021 | $500,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Feb 15, 2025. Significant flash flooding occurred over west Kentucky, as anomalously high amounts of low-level moisture streamed northward over a warm front that became stationary along the Tennessee border. Steady rains began just after 0000CST on the 15th and continued until around 0100CST on the 16th. The rain came in waves with the first one targeting Fulton, Murray, Fort Campbell, and Guthrie with 1-2��� in the pre-d…
Flash Flood · May 26, 2024. The second major severe weather outbreak for the month occurred on the 26th for the Quad State region. On the synoptic scale, a shortwave trough centered in the middle of the country with a 60 kt mid-level jet moved across northern Arkansas. A weak surface low was moving into SE Missouri during the morning with a secondary low located further northwest. A warm frontal boundary was draped across our area. A bowing…
Flood · May 8, 2024. A major outbreak of severe weather occurred on the 8th for the Quad State region. On the synoptic scale, a longwave trough was centered across the Rockies with deep-layer southwesterly flow from the Southern Plains to the Ohio Valley. A 110 kt upper jet extended from northern KS to IA while a 60 kt mid-level jet was positioned across northern MZ into IA. Surface low pressure near the MZ/KS border lifted to St. Lou…
Flash Flood · May 8, 2024. A major outbreak of severe weather occurred on the 8th for the Quad State region. On the synoptic scale, a longwave trough was centered across the Rockies with deep-layer southwesterly flow from the Southern Plains to the Ohio Valley. A 110 kt upper jet extended from northern KS to IA while a 60 kt mid-level jet was positioned across northern MZ into IA. Surface low pressure near the MZ/KS border lifted to St. Lou…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Todd 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.