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Flood insurance cost · Franklin County, KY

Flood insurance cost in Franklin County, Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 215 home policies in force on August 31, 2026.

Franklin County, KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,815a year

Half of insured homes paid between $1,167 and $2,922. That is 50% more than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (71%).

$0$1,167 · $1,815 · $2,922$3,652
+16.9% vs Aug 31, 2025 (median $1,552)
215home policies in force
$2,322average cost (mean)
80%of insured homes in high-risk zones (A, V)
$193,000median 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: 6 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Franklin County.

Cost by flood zone in Franklin 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		$2,312$1,490–$3,802$2,736153 (71%)+13.1%
Zone A
High risk		$1,738$1,297–$2,040$1,67620 (9%)+7.8%
Zone X
Moderate to low risk		$1,184$870–$1,381$1,12242 (20%)+20.1%

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 Franklin County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home199$1,864$2,398
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		30$5,692$5,678

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).

253NFIP policies in force, any building
256insured units (condo association policies count every unit)
55%of home policies also cover contents
$53,000median contents coverage, when bought

One year on: Franklin 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 force228215−5.7%
Median annual cost$1,552$1,815+16.9%
Average annual cost$2,043$2,322+13.7%
All policies in force (any building)264253−4.2%

How many homes have flood insurance?

1.4%of all homes in Franklin County have an NFIP policy
41.9%of homes in high-risk zones (special flood hazard area) have one
18,134residential buildings counted by FEMA
525of 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 Franklin County, Kentucky have filed 1,527 flood claims. 1,310 received a payment, for a total of $32.2 million (an average of $24,546 per paid claim). The year with the most claims was 1989 (395 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 147 claims, 135 paid, $2,039,938 in total19801984: 161 claims, 127 paid, $288,715 in total1989: 395 claims, 334 paid, $3,540,036 in total19891990: 16 claims, 16 paid, $75,842 in total19901994: 40 claims, 36 paid, $171,487 in total1997: 278 claims, 244 paid, $4,562,253 in total199720002006: 17 claims, 17 paid, $301,657 in total2010: 184 claims, 150 paid, $5,510,651 in total201020102015: 30 claims, 25 paid, $505,711 in total20202021: 45 claims, 40 paid, $740,769 in total2025: 133 claims, 125 paid, $13,914,657 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 (11)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2025133125$13,914,657$111,317
20214540$740,769$18,519
20153025$505,711$20,228
2010184150$5,510,651$36,738
20061717$301,657$17,745
1997278244$4,562,253$18,698
19944036$171,487$4,764
19901616$75,842$4,740
1989395334$3,540,036$10,599
1984161127$288,715$2,273
1978147135$2,039,938$15,111

From 2016 to 2026: 178 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 Franklin County (154 home policies) · Frankfort (61 home policies)