Enter any address in Woodford County, Kentucky to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Woodford County, KY. Between 2003 and 2023, NOAA Storm Events data recorded 15 flash flood events and 6 general flood events. Recent examples include flash flooding observed on August 6-7, 2022, due to slow-moving thunderstorms in a moist environment, and localized heavy rainfall causing flooding issues on August 11, 2018, from slow-moving storms.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $36,802 and an average water depth of 4.2 feet. Properties in Zone X_SHADED also show a significant number of claims, averaging $12,419 with 2.3 feet of water. Homeowners in Zone A, Zone X_SHADED, and those in areas with unknown flood zone designations should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
8 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Woodford County, Kentucky has recorded 21 flood-related events since 1996 according to NOAA's Storm Events Database, including 15 flash floods and 6 river or area floods. The county has received 25 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1978–2026)
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, Flooding, Landslides, And Mudslides | 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, Flooding, Landslides, And Mudslides | Flood | Feb 27, 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 | Aug 6, 2022 | 0.00K |
| Flash Flood | Aug 11, 2018 | 0.00K |
| Flash Flood | Jun 23, 2017 | 0.00K |
| Flood | Jul 13, 2015 | 0.00K |
| Flash Flood | Aug 12, 2013 | 0.00K |
| Flash Flood | Aug 12, 2013 | 5.00K |
| Flash Flood | Jul 6, 2013 | 5.00K |
| Flood | May 2, 2010 | 100.00K |
| Flash Flood | May 25, 2009 | 0.00K |
| Flood | Apr 4, 2008 | 0.00K |
Flash Flood — Aug 6, 2022
Multiple waves of showers and thunderstorms moved across central Kentucky on August 6th and 7th as an exceptionally moist environment promoted the development of precipitation across the region. Precipitable water values approaching 2 inches remained over the area both days, and a lack of significant large-scale forcing kept storm motions fairly slow. As a result, multiple instances of flash fl...
Flash Flood — Aug 11, 2018
A weak frontal boundary slid south to around the Ohio River Valley by mid-day. As diabatic heating increased and CAPE values reached into the 1500-2000 J/KG range, scattered showers and storms fired through the afternoon and evening. A shortwave rotated into the Great Lakes Region. Deep layer shear was weak and pulse storms with gusty winds caused wind damage. Slow storm motion and boundary col...
Flash Flood — Jun 23, 2017
Tropical Storm Cindy made landfall along the Gulf Coast and quickly lifted northeast toward the lower Ohio Valley June 22-23. The remnants interacted with a cold front from the Upper Midwest to produced widespread heavy rainfall. The unseasonably moist air mass led to widespread rainfall amounts of 1-2 inches with an embedded swath of 3-6 inches across central Kentucky. This led to numerous rep...
Flood — Jul 13, 2015
A series of upper level disturbances moved from the Upper Midwest into the lower Ohio Valley and interacted with a moist, warm and unstable atmosphere. Strong to severe thunderstorms developed and then organized into bowing segments across the area, spawning three weak tornadoes in addition to widespread areas of downburst wind damage. Thousands of trees were downed, causing scattered power out...
Flash Flood — Aug 12, 2013
Scattered thunderstorms developed during the afternoon and evening hours across central Kentucky ahead of a surface trough that moved through early the next morning. Despite limited instability, precipitable water values approaching 2 inches and light winds aloft led to some heavy rainfall totals across the Bluegrass Region. One storm brought between 2 and 3 inches of rain over a 2 hour period ...
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 Woodford 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 Woodford 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.