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Flood insurance cost · Greenup County, KY

Flood insurance cost in Greenup County, Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 318 home policies in force on August 31, 2026.

Greenup County, KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,091a year

Half of insured homes paid between $814 and $1,584. That is 10% less than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (89%).

$0$814 · $1,091 · $1,584$1,980
+6.3% vs Aug 31, 2025 (median $1,026)
318home policies in force
$1,402average cost (mean)
93%of insured homes in high-risk zones (A, V)
$147,000median 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 Greenup 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		$1,034$795–$1,572$1,394284 (89%)+3.1%
Zone A
High risk		$1,546$1,208–$1,724$1,74912 (4%)+3.8%
Zone X
Moderate to low risk		$1,263$1,074–$1,484$1,32422 (7%)+17.1%

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 Greenup County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home310$1,082$1,397
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		27$1,535$3,154

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).

347NFIP policies in force, any building
347insured units (condo association policies count every unit)
24%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: Greenup 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 force338318−5.9%
Median annual cost$1,026$1,091+6.3%
Average annual cost$1,299$1,402+7.9%
All policies in force (any building)372347−6.7%

How many homes have flood insurance?

2.1%of all homes in Greenup County have an NFIP policy
20.8%of homes in high-risk zones (special flood hazard area) have one
15,241residential buildings counted by FEMA
1,424of 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 Greenup County, Kentucky have filed 714 flood claims. 613 received a payment, for a total of $10.9 million (an average of $17,708 per paid claim). The year with the most claims was 1997 (93 claims). Amounts are in dollars of the time, not adjusted for inflation.

02550751001978: 18 claims, 12 paid, $73,383 in total1979: 12 claims, 10 paid, $7,152 in total198019901994: 25 claims, 18 paid, $66,845 in total1996: 25 claims, 24 paid, $283,929 in total1997: 93 claims, 74 paid, $1,221,881 in total19971998: 10 claims2000: 46 claims, 36 paid, $361,856 in total200020002002: 32 claims, 26 paid, $294,025 in total2003: 46 claims, 41 paid, $296,905 in total2004: 48 claims, 44 paid, $289,366 in total20042005: 21 claims, 19 paid, $327,076 in total2007: 10 claims, 10 paid, $84,849 in total2008: 22 claims, 20 paid, $186,376 in total2009: 10 claims, 10 paid, $146,609 in total2010: 25 claims, 24 paid, $665,562 in total20102011: 34 claims, 30 paid, $782,160 in total2013: 11 claims, 10 paid, $304,251 in total2015: 23 claims, 17 paid, $547,178 in total2018: 37 claims, 34 paid, $1,042,501 in total2019: 23 claims, 21 paid, $336,138 in total2020: 18 claims, 17 paid, $420,567 in total20202021: 27 claims, 24 paid, $1,189,087 in total2022: 14 claims, 11 paid, $324,701 in total2024: 13 claims, 13 paid, $452,081 in total2025: 20 claims, 18 paid, $682,005 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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20252018$682,005$37,889
20241313$452,081$34,775
20221411$324,701$29,518
20212724$1,189,087$49,545
20201817$420,567$24,739
20192321$336,138$16,007
20183734$1,042,501$30,662
20152317$547,178$32,187
20131110$304,251$30,425
20113430$782,160$26,072
20102524$665,562$27,732
20091010$146,609$14,661
20082220$186,376$9,319
20071010$84,849$8,485
20052119$327,076$17,215
20044844$289,366$6,576
20034641$296,905$7,242
20023226$294,025$11,309
20004636$361,856$10,052
199810<10––
19979374$1,221,881$16,512
19962524$283,929$11,830
19942518$66,845$3,714
19791210$7,152$715
19781812$73,383$6,115

From 2016 to 2026: 152 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 Greenup County (165 home policies) · Greenup (86 home policies) · Worthington (39 home policies)