Enter any address in Todd County, Kentucky to see its FEMA flood zone
Flash flooding events are the most frequent type of flooding recorded in Todd County, KY, over the last 30 years, with 39 occurrences, compared to 23 general flood events. Recent examples include flash flooding on February 15, 2025, and May 26, 2024, both associated with significant weather systems bringing heavy rainfall.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A have experienced an average payout of $19,730 with an average water depth of 8.0 feet. Properties in Zone X have had fewer claims, averaging $14,936 with no reported water depth. Homeowners in Zone A, or those located near waterways, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
29 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Todd County, Kentucky has recorded 62 flood-related events since 1996 according to NOAA's Storm Events Database, including 39 flash floods and 23 river or area floods. The county has received 20 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1969–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, And Tornadoes | Severe Storm | May 16, 2025 |
| 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, 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 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | May 26, 2024 | 0.00K |
| Flood | May 8, 2024 | 0.00K |
| Flash Flood | May 8, 2024 | 0.00K |
| Flash Flood | Sep 28, 2023 | 10.00K |
| Flash Flood | Aug 27, 2023 | 0.00K |
| Flash Flood | Jan 9, 2022 | 0.00K |
| Flash Flood | Feb 28, 2021 | 500.00K |
| Flood | Jan 25, 2021 | 0.00K |
| Flash Flood | May 4, 2021 | 0.00K |
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�...
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...
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 bord...
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 bord...
Flash Flood — Sep 28, 2023
A cluster of severe thunderstorms formed over northwest Kentucky and the Pennyrile region during the late evening hours. These storms produced numerous reports of large hail and a couple of marginally severe wind gusts. The storms developed near and south of a warm front that extended eastward across the lower Ohio Valley from weak low pressure over southwest Illinois. As surface temperatures c...
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 Todd 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 Todd 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.