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Flood insurance cost · Christian County, KY

Flood insurance cost in Christian County, Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 308 home policies in force on August 31, 2026.

Christian County, KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,142a year

Half of insured homes paid between $886 and $1,786. That is 6% less than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (81%).

$0$886 · $1,142 · $1,786$2,232
+10.9% vs Aug 31, 2025 (median $1,030)
308home policies in force
$1,521average cost (mean)
85%of insured homes in high-risk zones (A, V)
$195,000median 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: 5 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Christian County.

Cost by flood zone in Christian 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 zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,160$890–$1,895$1,601250 (81%)+5.4%
Zone A
High risk		$1,173$1,043–$1,366$1,57713 (4%)+16.8%
Zone X
Moderate to low risk		$1,051$840–$1,235$1,05945 (15%)+9.3%

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 Christian County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home300$1,122$1,506
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		24$3,054$4,725

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

332NFIP policies in force, any building
332insured units (condo association policies count every unit)
59%of home policies also cover contents
$63,000median contents coverage, when bought

One year on: Christian 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, 2025Aug 31, 2026Change
Home policies in force327308−5.8%
Median annual cost$1,030$1,142+10.9%
Average annual cost$1,424$1,521+6.8%
All policies in force (any building)354332−6.2%

How many homes have flood insurance?

1.3%of all homes in Christian County have an NFIP policy
45.7%of homes in high-risk zones (special flood hazard area) have one
24,903residential buildings counted by FEMA
619of 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 Christian County, Kentucky have filed 978 flood claims. 853 received a payment, for a total of $21.4 million (an average of $25,030 per paid claim). The year with the most claims was 1997 (156 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 93 claims, 85 paid, $834,267 in total1979: 128 claims, 102 paid, $459,105 in total197919801984: 67 claims, 54 paid, $414,887 in total1988: 25 claims, 21 paid, $169,016 in total1989: 57 claims, 47 paid, $309,422 in total1990: 69 claims, 63 paid, $338,468 in total19901997: 156 claims, 152 paid, $6,049,801 in total19971998: 58 claims, 49 paid, $329,722 in total20002001: 10 claims2005: 110 claims, 107 paid, $7,309,876 in total20052006: 12 claims, 10 paid, $53,056 in total2010: 28 claims, 24 paid, $278,871 in total20102011: 14 claims, 10 paid, $60,391 in total2016: 10 claims20202021: 15 claims, 13 paid, $323,953 in total2025: 76 claims, 71 paid, $4,126,032 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20257671$4,126,032$58,113
20211513$323,953$24,919
201610<10––
20111410$60,391$6,039
20102824$278,871$11,620
20061210$53,056$5,306
2005110107$7,309,876$68,317
200110<10––
19985849$329,722$6,729
1997156152$6,049,801$39,801
19906963$338,468$5,373
19895747$309,422$6,583
19882521$169,016$8,048
19846754$414,887$7,683
1979128102$459,105$4,501
19789385$834,267$9,815

From 2016 to 2026: 101 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

Hopkinsville (168 home policies) · Oak Grove (105 home policies) · Unincorporated Christian County (34 home policies)