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Flood insurance cost · KY

Flood insurance cost in Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 12,289 home policies in force on August 31, 2026.

KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,210a year

Half of insured homes paid between $857 and $1,789. That is 12% more than the national median ($1,082). Most insured homes here are rated in zone AE (66%).

$0$857 · $1,210 · $1,789$2,236
+11.4% vs Aug 31, 2025 (median $1,086)
12,289home policies in force
$1,482average cost (mean)
80%of insured homes in high-risk zones (A, V)
$148,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Kentucky, county by county.

Cost by flood zone in Kentucky

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,269$881–$1,907$1,5588,088 (66%)+9.3%
Zone A
High risk		$1,430$1,018–$2,104$1,7181,755 (14%)+11.5%
Zone X
Moderate to low risk		$1,012$686–$1,260$1,0622,443 (20%)+10.7%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Kentucky, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home11,118$1,205$1,479
2–4 unit building354$1,566$1,782
Manufactured (mobile) home669$1,372$1,541
Condo or apartment unit148$609$732
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		713$2,400$3,503
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		2,065$2,312$3,664
15,067NFIP policies in force, any building
15,837insured units (condo association policies count every unit)
44%of home policies also cover contents
$53,000median contents coverage, when bought

One year on: Kentucky

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force12,96812,289−5.2%
Median annual cost$1,086$1,210+11.4%
Average annual cost$1,357$1,482+9.2%
All policies in force (any building)16,85315,067−10.6%

Flood claims history

Since 1978, NFIP policyholders in Kentucky have filed 27,947 flood claims. 23,634 received a payment, for a total of $527.8 million (an average of $22,334 per paid claim). The year with the most claims was 1997 (4,087 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 1,094 claims, 966 paid, $7,705,143 in total1979: 672 claims, 529 paid, $2,057,372 in total1980: 118 claims, 83 paid, $383,028 in total19801981: 377 claims, 309 paid, $1,422,624 in total1982: 129 claims, 88 paid, $356,739 in total1983: 260 claims, 179 paid, $666,925 in total1984: 2,838 claims, 2,400 paid, $28,803,077 in total19841985: 58 claims, 37 paid, $191,355 in total1986: 22 claims1987: 48 claims, 23 paid, $144,830 in total1988: 49 claims, 27 paid, $200,648 in total1989: 1,436 claims, 1,194 paid, $10,233,863 in total1990: 328 claims, 260 paid, $1,828,117 in total19901991: 363 claims, 296 paid, $1,471,429 in total1992: 120 claims, 82 paid, $610,877 in total1993: 82 claims, 62 paid, $611,730 in total1994: 333 claims, 275 paid, $1,602,240 in total1995: 147 claims, 115 paid, $677,546 in total1996: 476 claims, 412 paid, $4,295,551 in total1997: 4,087 claims, 3,605 paid, $79,753,835 in total19971998: 463 claims, 398 paid, $3,925,493 in total1999: 61 claims, 50 paid, $304,010 in total2000: 263 claims, 196 paid, $2,023,920 in total20002001: 146 claims, 115 paid, $1,259,900 in total2002: 609 claims, 514 paid, $6,831,197 in total2003: 885 claims, 751 paid, $9,022,261 in total2004: 601 claims, 530 paid, $9,080,270 in total2005: 384 claims, 357 paid, $11,461,186 in total2006: 552 claims, 473 paid, $10,137,632 in total2007: 141 claims, 114 paid, $1,099,615 in total2008: 318 claims, 256 paid, $2,844,721 in total2009: 909 claims, 801 paid, $17,361,790 in total2010: 1,281 claims, 1,122 paid, $38,978,181 in total20102011: 1,007 claims, 811 paid, $18,954,669 in total2012: 82 claims, 55 paid, $1,139,085 in total2013: 349 claims, 277 paid, $7,060,664 in total2014: 154 claims, 114 paid, $2,370,129 in total2015: 1,274 claims, 1,047 paid, $26,015,177 in total2016: 142 claims, 107 paid, $1,777,975 in total2017: 132 claims, 103 paid, $2,574,655 in total2018: 892 claims, 763 paid, $29,368,120 in total2019: 264 claims, 218 paid, $5,247,468 in total2020: 197 claims, 163 paid, $3,910,521 in total20202021: 749 claims, 657 paid, $24,024,344 in total2022: 617 claims, 547 paid, $29,348,616 in total2023: 109 claims, 80 paid, $2,561,701 in total2024: 52 claims, 41 paid, $1,204,502 in total2025: 2,171 claims, 1,947 paid, $112,598,771 in total20252026: 106 claims, 76 paid, $2,234,277 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202610676$2,234,277$29,398
20252,1711,947$112,598,771$57,832
20245241$1,204,502$29,378
202310980$2,561,701$32,021
2022617547$29,348,616$53,654
2021749657$24,024,344$36,567
2020197163$3,910,521$23,991
2019264218$5,247,468$24,071
2018892763$29,368,120$38,490
2017132103$2,574,655$24,997
2016142107$1,777,975$16,617
20151,2741,047$26,015,177$24,847
2014154114$2,370,129$20,791
2013349277$7,060,664$25,490
20128255$1,139,085$20,711
20111,007811$18,954,669$23,372
20101,2811,122$38,978,181$34,740
2009909801$17,361,790$21,675
2008318256$2,844,721$11,112
2007141114$1,099,615$9,646
2006552473$10,137,632$21,433
2005384357$11,461,186$32,104
2004601530$9,080,270$17,133
2003885751$9,022,261$12,014
2002609514$6,831,197$13,290
2001146115$1,259,900$10,956
2000263196$2,023,920$10,326
19996150$304,010$6,080
1998463398$3,925,493$9,863
19974,0873,605$79,753,835$22,123
1996476412$4,295,551$10,426
1995147115$677,546$5,892
1994333275$1,602,240$5,826
19938262$611,730$9,867
199212082$610,877$7,450
1991363296$1,471,429$4,971
1990328260$1,828,117$7,031
19891,4361,194$10,233,863$8,571
19884927$200,648$7,431
19874823$144,830$6,297
198622<10––
19855837$191,355$5,172
19842,8382,400$28,803,077$12,001
1983260179$666,925$3,726
198212988$356,739$4,054
1981377309$1,422,624$4,604
198011883$383,028$4,615
1979672529$2,057,372$3,889
19781,094966$7,705,143$7,976

From 2016 to 2026: 5,431 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Kentucky

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Adair County16$1,212
Allen County16$910
Anderson County34$1,302
Ballard County17$1,116
Barren County21$1,569
Bath County44$951
Boone County53$682
Bourbon County83$1,507
Boyle County76$1,180
Bracken County47$2,183
Breathitt County77$1,837
Breckinridge County21$1,095
Butler County10$1,582
Caldwell County17$771
Calloway County56$1,006
Carroll County54$1,178
Clay County43$1,788
Crittenden County14$1,172
Estill County40$1,435
Fleming County18$2,412
Fulton County14$1,080
Gallatin County53$1,466
Garrard County22$1,608
Grant County12$1,616
Graves County50$1,228
Grayson County13$1,112
Hancock County55$1,086
Harrison County84$1,921
Hart County17$1,441
Henry County16$1,421
Hopkins County64$1,202
Jackson County14$1,333
Jessamine County94$1,010
Knott County51$1,761
Knox County77$1,397
Laurel County30$1,050
Lawrence County28$1,614
Leslie County22$1,536
Lewis County60$1,570
Livingston County55$848
Logan County54$1,192
Magoffin County62$1,424
Marion County22$1,256
Marshall County73$887
Martin County95$1,382
Mason County13$1,830
McLean County47$1,352
Meade County24$1,375
Menifee County27$1,161
Mercer County67$1,434
Metcalfe County10$1,132
Montgomery County30$1,812
Morgan County23$1,398
Muhlenberg County21$979
Nelson County51$1,050
Nicholas County16$1,676
Ohio County14$1,130
Owen County30$1,305
Powell County94$1,303
Pulaski County16$1,068
Rockcastle County17$1,466
Scott County96$1,408
Shelby County38$1,409
Simpson County30$897
Spencer County27$1,433
Taylor County19$1,067
Todd County29$1,090
Trigg County11$1,339
Trimble County26$1,193
Union County13$1,141
Washington County12$1,230
Webster County33$1,132
Whitley County38$1,165

ZIP codes with the most insured homes