Enter any address in Warren County, Kentucky to see its FEMA flood zone
Flash flooding from intense storm systems is the primary flood hazard in Warren County, KY. Over the past 30 years, the NOAA Storm Events Database recorded 55 flash flood events and 48 general flood events. Recent events include flash flooding on February 15th, 2025, associated with a strong storm system bringing heavy rainfall across the region, and another on June 27th, 2025, driven by a hot and humid summertime pattern creating a strongly unstable environment.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A experienced an average water depth of 4.5 feet and an average payout of $12,280. Properties in Zone X, though experiencing less average water depth (2.8 feet), had a higher average payout of $36,427. Homeowners in Zone A and Zone X, as well as those in areas with unknown flood risk, should pay close attention to flood information and consider flood insurance.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
37 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Warren County, Kentucky has recorded 103 flood-related events since 1996 according to NOAA's Storm Events Database, including 55 flash floods and 48 river or area floods. The county has received 26 federal disaster declarations, 3 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 |
| Severe, Storms, Flooding, Landslides, And Mudslides | Flood | Feb 27, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 27, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 10.00K |
| Flash Flood | Apr 5, 2025 | 0.00K |
| Flash Flood | Jan 3, 2023 | 0.00K |
| Flash Flood | Feb 28, 2021 | 0.00K |
| Flash Flood | Feb 28, 2021 | 10.00K |
| Flash Flood | May 4, 2021 | 0.00K |
| Flash Flood | Jun 28, 2020 | 0.00K |
| Flood | Jul 21, 2020 | 20.00K |
Flash Flood — Jun 27, 2025
A typical hot and humid summertime pattern was in place across the Ohio and Tennessee valleys on June 26th and 27th, with temperatures warming into the upper 80s and low 90s both afternoons. This allowed for the development of at least 4000 J/kg SBCAPE across central Kentucky, setting up a strongly unstable environment. Overall, forcing was weak over this time period, with upper level ridging s...
Flash Flood — Feb 15, 2025
A strong storm system moved across the Ohio and Tennessee Valleys on February 15th and 16th, 2025, bringing heavy rainfall and flooding, severe weather, and winter weather to central Kentucky. The large scale upper level pattern featured deep troughing ejecting across the central CONUS, with broad southwesterly flow occurring in the low and mid troposphere. Southerly flow helped to draw rich mo...
Flash Flood — Apr 5, 2025
On the night of April 2nd, 2025, a cold front approached the lower Ohio Valley. Along and ahead of the cold front, numerous supercells developed over southern Illinois and western Kentucky. These storms tracked eastward and occasionally grew upscale into a QLCS with bowing segments. Storms lasted all night and into the morning hours, as the cold front began to stall over the lower Ohio Valley. ...
Flash Flood — Jan 3, 2023
During the overnight hours and into the morning on January 3rd, a strong system moved across central Kentucky, bringing isolated damaging wind gusts and widespread heavy rainfall. The system was associated with a negatively-tilted upper-level trough which moved from the Four Corners region on January 2nd to the upper Midwest by January 4th. A surface cyclone transited in a similar fashion to th...
Flash Flood — Feb 28, 2021
A stalled frontal boundary brought waves of heavy rainfall to central Kentucky from February 26 through February 28. This caused record rainfall, isolated severe winds, and even a tornado. As a result, Bowling Green set a February daily rainfall record with 5.11 on the 28th. The severe winds brought down some trees and a power pole, but the most property damage came from a brief EF1 tornado.
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 Warren 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 Warren 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.