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Flood insurance cost · Fayette County, KY

Flood insurance cost in Fayette County, Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 361 home policies in force on August 31, 2026.

Fayette County, KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$992a year

Half of insured homes paid between $670 and $1,427. That is 18% less than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (58%).

$0$670 · $992 · $1,427$1,784
+7.8% vs Aug 31, 2025 (median $920)
361home policies in force
$1,194average cost (mean)
58%of insured homes in high-risk zones (A, V)
$233,000median 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 Fayette 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		$1,254$823–$1,867$1,451209 (58%)+14.6%
Zone X
Moderate to low risk		$710$506–$1,082$841151 (42%)−4.7%

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 Fayette County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home339$974$1,174
2–4 unit building15$2,139$1,940
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.		10$4,420$4,207
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		37$2,154$3,222

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

408NFIP policies in force, any building
408insured units (condo association policies count every unit)
57%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Fayette 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 force384361−6.0%
Median annual cost$920$992+7.8%
Average annual cost$1,124$1,194+6.2%
All policies in force (any building)437408−6.6%

How many homes have flood insurance?

0.4%of all homes in Fayette County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
103,386residential buildings counted by FEMA
0of 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 Fayette County, Kentucky have filed 456 flood claims. 363 received a payment, for a total of $5,437,428 (an average of $14,979 per paid claim). The year with the most claims was 1992 (54 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801978: 24 claims, 23 paid, $332,534 in total1979: 12 claims19801984: 35 claims, 33 paid, $361,196 in total1989: 13 claims, 12 paid, $60,128 in total19901992: 54 claims, 42 paid, $340,434 in total19921996: 13 claims, 12 paid, $107,695 in total1997: 46 claims, 33 paid, $276,601 in total19971998: 29 claims, 21 paid, $169,608 in total20002003: 16 claims, 13 paid, $215,324 in total2004: 13 claims, 10 paid, $82,922 in total2006: 39 claims, 37 paid, $999,072 in total20062008: 28 claims, 26 paid, $162,959 in total2010: 36 claims, 28 paid, $773,061 in total20102015: 14 claims2020
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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
201514<10––
20103628$773,061$27,609
20082826$162,959$6,268
20063937$999,072$27,002
20041310$82,922$8,292
20031613$215,324$16,563
19982921$169,608$8,077
19974633$276,601$8,382
19961312$107,695$8,975
19925442$340,434$8,106
19891312$60,128$5,011
19843533$361,196$10,945
197912<10––
19782423$332,534$14,458

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

Lexington-Fayette Urban County Government (361 home policies)