I believe that there is a mistake in the identification of "Charles Thomas" Floyd. These were actually two unrelated individuals.
Charles Floyd who married Mary Stewart died in 1828 in Todd County, KY was a son of William and Abadiah Davis Floyd of the Jefferson/Union County, Ky Floyds. They came to Kentucky in the 1780s from Virginia where they had lived for generations.
Thomas Floyd who married Mary Christian was a son of Caleb and Nancy Maynard Floyd. He apparently died about the same time as Charles Floyd and their records may be confused. This Floyd family came to Kentucky from the North Carolina/Virginia border where they had only lived for two-three decades, originating from Maryland.
Astoundingly, these two families both lived on Clifty Creek in Todd/Logan County, KY and the two lines intermarried when the son of Charles married the daughter of Thomas. This couple was Charles Stewart Floyd and Keziah Floyd. They moved to Bond County, IL.