Flood insurance cost · Harlan County, KY
Flood insurance cost in Harlan County, Kentucky
What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 252 home policies in force on August 31, 2026.
Median annual cost of NFIP flood insurance for a home
$1,281a year
Half of insured homes paid between $917 and $1,712. That is 6% more than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (75%).
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 Harlan County.
Cost by flood zone in Harlan 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 zone | Median | Middle half (25th–75th percentile) | Average | Policies | vs last year |
|---|---|---|---|---|---|
| Zone AE High risk | $1,296 | $916–$1,758 | $1,416 | 189 (75%) | +11.3% |
| Zone A High risk | $1,328 | $957–$1,738 | $1,448 | 42 (17%) | +18.4% |
| Zone X Moderate to low risk | $1,143 | $858–$1,346 | $1,157 | 21 (8%) | +17.6% |
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 Harlan County, by what they insure.
| Type of building | Policies | Median | Average |
|---|---|---|---|
| Single-family home | 231 | $1,282 | $1,381 |
| Manufactured (mobile) home | 21 | $1,237 | $1,605 |
| Non-residential building or unit Businesses, churches, farm buildings and other non-residential property. | 25 | $6,084 | $6,203 |
Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).
One year on: Harlan 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, 2025 | Aug 31, 2026 | Change | |
|---|---|---|---|
| Home policies in force | 278 | 252 | −9.4% |
| Median annual cost | $1,122 | $1,281 | +14.2% |
| Average annual cost | $1,251 | $1,400 | +11.9% |
| All policies in force (any building) | 301 | 277 | −8.0% |
How many homes have flood insurance?
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 Harlan County, Kentucky have filed 448 flood claims. 333 received a payment, for a total of $2,375,034 (an average of $7,132 per paid claim). The year with the most claims was 1984 (146 claims). Amounts are in dollars of the time, not adjusted for inflation.
All years with at least 10 claims (8)
Swipe the table sideways to see all columns.
| Year of loss | Claims | Paid claims | Total paid | Average per paid claim |
|---|---|---|---|---|
| 2020 | 11 | <10 | – | – |
| 2003 | 18 | 11 | $42,890 | $3,899 |
| 2002 | 116 | 107 | $1,175,864 | $10,989 |
| 1994 | 29 | 22 | $116,310 | $5,287 |
| 1991 | 42 | 32 | $139,932 | $4,373 |
| 1984 | 146 | 102 | $345,519 | $3,387 |
| 1979 | 10 | <10 | – | – |
| 1978 | 11 | <10 | – | – |
From 2016 to 2026: 11 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 Harlan County (202 home policies) · Cumberland (24 home policies) · Evarts (18 home policies)