1 flood insurance claims·$0 paid·3 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 Trigg 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.
Trigg County experiences a flood risk profile evenly split between flash floods and general floods. Over the past 30 years, the NOAA Storm Events Database records 26 flash flood events and 22 flood events.
Recent weather patterns illustrate this hazard. On January 30, 2025, a low-pressure system brought moderate to heavy rain to Western Kentucky, generating widespread storm totals of 3 to 4 inches that resulted in flash flood and areal flood issues across the region. A subsequent heavy rain event on February 15 and 16, 2025, driven by a stationary warm front along the Tennessee border, produced significant flash flooding after waves of steady rain impacted parts of West Kentucky.
FEMA National Flood Insurance Program records indicate minimal historical claims activity, with a single claim recorded in Zone X resulting in an average payout of $0 and an average recorded water depth of 0 inches. Properties situated outside mapped high-risk zones should nevertheless review their exposure to intense localized rainfall and flash flooding.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
24 NOAA storm reports from Trigg County describe what happened, in the words of the forecasters who covered it. Read the Kentucky flood stories →
26 federal disaster declarations since 1989, 3 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, Flooding, Landslides, And Mudslides | 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 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
48 since 1996: 26 flash floods and 22 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Jan 30, 2025 | — |
| Flood | Feb 16, 2025 | — |
| Flash Flood | Feb 15, 2025 | — |
| Flash Flood | May 26, 2024 | — |
| Flood | May 9, 2024 | — |
| Flash Flood | May 8, 2024 | $50,000 |
| Flash Flood | Jan 3, 2023 | — |
| Flash Flood | Feb 12, 2020 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Jan 30, 2025. A low pressure system pushing northeastward through the Quad State region brought moderate to heavy rain to Western Kentucky for the midday through evening hours. Flash flood and areal flood issues developed late afternoon to early evening in the Purchase Area and Southern Pennyrile where widespread 3 to 4 inch storm total precipitation observations occurred. A water rescue occurred near the Graves/Hickman County…
Flood · Feb 16, 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 · 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…
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 Trigg 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.