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Flood insurance cost · Floyd County, KY

Flood insurance cost in Floyd County, Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 358 home policies in force on August 31, 2026.

Floyd County, KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,431a year

Half of insured homes paid between $1,084 and $2,200. That is 18% more than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (67%).

$0$1,084 · $1,431 · $2,200$2,750
+13.9% vs Aug 31, 2025 (median $1,256)
358home policies in force
$1,761average cost (mean)
77%of insured homes in high-risk zones (A, V)
$120,500median 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 Floyd County.

Cost by flood zone in Floyd 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		$1,673$1,164–$2,520$1,956239 (67%)+15.9%
Zone A
High risk		$1,420$1,087–$1,783$1,50038 (11%)+21.0%
Zone X
Moderate to low risk		$1,189$942–$1,413$1,30781 (23%)+20.2%

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 Floyd County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home288$1,410$1,775
2–4 unit building27$2,138$1,841
Manufactured (mobile) home43$1,634$1,613
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.		26$3,559$5,016
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		54$5,122$6,326

Not shown (fewer than 10 policies): condo or apartment unit.

438NFIP policies in force, any building
438insured units (condo association policies count every unit)
50%of home policies also cover contents
$38,000median contents coverage, when bought

One year on: Floyd 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 force387358−7.5%
Median annual cost$1,256$1,431+13.9%
Average annual cost$1,550$1,761+13.6%
All policies in force (any building)474438−7.6%

How many homes have flood insurance?

3.4%of all homes in Floyd County have an NFIP policy
14.5%of homes in high-risk zones (special flood hazard area) have one
17,217residential buildings counted by FEMA
3,355of 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 Floyd County, Kentucky have filed 2,657 flood claims. 2,335 received a payment, for a total of $37.8 million (an average of $16,208 per paid claim). The year with the most claims was 1984 (577 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 38 claims, 30 paid, $35,698 in total19801981: 74 claims, 56 paid, $119,164 in total1984: 577 claims, 528 paid, $6,365,559 in total19841989: 180 claims, 153 paid, $646,891 in total19901991: 71 claims, 57 paid, $192,971 in total1994: 28 claims, 26 paid, $118,797 in total1995: 38 claims, 30 paid, $219,979 in total1996: 10 claims1997: 30 claims, 28 paid, $232,694 in total1998: 131 claims, 118 paid, $955,695 in total20002001: 45 claims, 34 paid, $385,983 in total2002: 11 claims2003: 280 claims, 245 paid, $2,720,317 in total20032004: 101 claims, 90 paid, $2,261,136 in total2005: 15 claims, 15 paid, $193,409 in total2007: 61 claims, 57 paid, $580,529 in total2009: 211 claims, 193 paid, $4,155,531 in total2010: 16 claims, 13 paid, $230,698 in total20102011: 22 claims, 20 paid, $136,138 in total2013: 17 claims, 15 paid, $163,253 in total2014: 50 claims, 42 paid, $1,135,439 in total2015: 73 claims, 51 paid, $618,489 in total2018: 15 claims, 15 paid, $289,179 in total2019: 10 claims, 10 paid, $197,891 in total2020: 24 claims, 24 paid, $802,142 in total20202021: 105 claims, 96 paid, $2,100,586 in total2022: 125 claims, 113 paid, $3,664,930 in total2023: 14 claims, 12 paid, $208,281 in total2025: 224 claims, 214 paid, $8,859,362 in total2025
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 (29)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2025224214$8,859,362$41,399
20231412$208,281$17,357
2022125113$3,664,930$32,433
202110596$2,100,586$21,881
20202424$802,142$33,423
20191010$197,891$19,789
20181515$289,179$19,279
20157351$618,489$12,127
20145042$1,135,439$27,034
20131715$163,253$10,884
20112220$136,138$6,807
20101613$230,698$17,746
2009211193$4,155,531$21,531
20076157$580,529$10,185
20051515$193,409$12,894
200410190$2,261,136$25,124
2003280245$2,720,317$11,103
200211<10––
20014534$385,983$11,352
1998131118$955,695$8,099
19973028$232,694$8,310
199610<10––
19953830$219,979$7,333
19942826$118,797$4,569
19917157$192,971$3,385
1989180153$646,891$4,228
1984577528$6,365,559$12,056
19817456$119,164$2,128
19783830$35,698$1,190

From 2016 to 2026: 517 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

Unincorporated Floyd County (300 home policies) · Prestonsburg (41 home policies)