Enter any address in Webster County, Kentucky to see its FEMA flood zone
Flash flooding from heavy rainfall events is the primary flood concern in Webster County, KY. Over the last 30 years, the NOAA Storm Events Database has recorded 25 flash flood events and 24 general flood events. For example, significant flash flooding occurred across west Kentucky in February 2025 due to persistent, heavy rainfall.
National Flood Insurance Program (NFIP) claims data indicates that while Zone A areas have seen more claims, Zone X areas have experienced higher average payouts and water depths. This suggests that properties not typically considered high-risk may still be vulnerable to substantial flood damage.
Residents in areas designated as Zone A and Zone X should be particularly aware of flood risks. Those living near waterways or in low-lying areas should also pay close attention to weather forecasts and advisories, as flood events can occur with little warning.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
31 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Webster County, Kentucky has recorded 49 flood-related events since 1996 according to NOAA's Storm Events Database, including 25 flash floods and 24 river or area floods. The county has received 24 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, 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, Flooding, Landslides, And Mudslides | Severe Storm | Mar 3, 2023 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides | Severe Storm | Feb 6, 2019 |
| Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides | Flood | Feb 21, 2018 |
| Severe Storm, Tornadoes, Flooding, Landslides, And Mudslides | Severe Storm | Jul 2, 2016 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | May 30, 2025 | 0.00K |
| Flood | Feb 16, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flood | May 22, 2024 | 0.00K |
| Flash Flood | Jul 16, 2024 | 0.00K |
| Flood | Mar 25, 2023 | 0.00K |
| Flash Flood | Feb 16, 2023 | 0.00K |
| Flash Flood | Mar 3, 2023 | 0.00K |
| Flood | Jan 3, 2023 | 0.00K |
| Flood | Feb 17, 2022 | 0.00K |
Flood — May 30, 2025
Low pressure tracked northeastward through the night on the 29th into the 30th, bringing a broad area of moderate rain. More robust activity developed over Webster County resulting in trees blown down in several parts of the county. MLCAPE was around 250J/kg while shear was near 30kts.
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�...
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�...
Flood — May 22, 2024
A surface boundary moved through Western Kentucky and Tennessee the afternoon of the 22nd. The primary line of storms was in Tennessee while smaller scale SW to NE oriented heavy rain bands flared up three times in Western Kentucky. MLCAPE was 2000-3000 J/kg while DCAPE was 500-750 J/kg. Effective bulk shear was around 30-35 kts. Mid-level lapse rates were 6.5-7.5 C/km. Surface frontogenesis wa...
Flash Flood — Jul 16, 2024
Torrential training rainfall redeveloped overnight heading into the 17th, this time over portions of Western Kentucky in the Pennyrile region. Rainfall totals reached 2-7 inches with flooding observed in Livermore, Providence, Madisonville, and several towns in Muhlenberg County. As was the case in the morning, the greater PW values near 2.2 inches had shifted to Western Kentucky, with 850mb mo...
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 Webster 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 Webster 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.