Flood insurance cost · Campbell County, KY

Flood insurance cost in Campbell County, Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 309 home policies in force on August 31, 2026.

Campbell County, KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$956a year

Half of insured homes paid between $681 and $1,362. That is 21% less than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (90%).

$0$681 · $956 · $1,362$1,702

+4.5% vs Aug 31, 2025 (median $915)

309home policies in force

$1,139average cost (mean)

90%of insured homes in high-risk zones (A, V)

$150,000median 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.

Cost by flood zone in Campbell County

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$950	$694–$1,370	$1,152	278 (90%)	+4.3%
Zone X Moderate to low risk	$1,205	$556–$1,335	$1,021	31 (10%)	+22.2%

Not shown (fewer than 10 home policies): VE, A, 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 Campbell County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	290	$954	$1,114
Condo or apartment unit	11	$552	$997
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.	19	$4,476	$4,896
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	28	$2,270	$4,111

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home.

356NFIP policies in force, any building

488insured units (condo association policies count every unit)

41%of home policies also cover contents

$50,000median contents coverage, when bought

One year on: Campbell County

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, 2025	Aug 31, 2026	Change
Home policies in force	311	309	−0.6%
Median annual cost	$915	$956	+4.5%
Average annual cost	$1,052	$1,139	+8.3%
All policies in force (any building)	359	356	−0.8%

How many homes have flood insurance?

1.2%of all homes in Campbell County have an NFIP policy

37.4%of homes in high-risk zones (special flood hazard area) have one

27,308residential buildings counted by FEMA

794of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Campbell County, Kentucky have filed 451 flood claims. 375 received a payment, for a total of $5,827,979 (an average of $15,541 per paid claim). The year with the most claims was 1997 (194 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (9)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2025	18	18	$817,003	$45,389
2018	27	23	$726,279	$31,577
2016	18	14	$127,586	$9,113
2011	11	<10	–	–
2003	16	13	$84,136	$6,472
1997	194	177	$2,530,498	$14,297
1996	15	11	$144,630	$13,148
1979	29	23	$43,906	$1,909
1978	29	18	$18,507	$1,028

From 2016 to 2026: 63 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.

Main NFIP communities in the county

Silver Grove (108 home policies) · Bellevue (60 home policies) · Melbourne (51 home policies) · Unincorporated Campbell County (37 home policies) · Newport (14 home policies) · Dayton (13 home policies)