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Flood insurance cost · Henderson County, KY

Flood insurance cost in Henderson County, Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 200 home policies in force on August 31, 2026.

Henderson County, KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,108a year

Half of insured homes paid between $778 and $1,524. That is 8% less than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (94%).

$0$778 · $1,108 · $1,524$1,905
+4.1% vs Aug 31, 2025 (median $1,064)
200home policies in force
$1,226average cost (mean)
95%of insured homes in high-risk zones (A, V)
$103,500median 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: 6 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Henderson County.

Cost by flood zone in Henderson 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		$1,107$778–$1,509$1,212188 (94%)+4.0%
Zone X
Moderate to low risk		$1,069$776–$1,486$1,19810 (5%)+29.3%

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 Henderson County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home184$1,116$1,199
Manufactured (mobile) home13$1,013$1,295
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$4,114$3,130
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		40$1,438$2,912

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

250NFIP policies in force, any building
250insured units (condo association policies count every unit)
24%of home policies also cover contents
$40,000median contents coverage, when bought

One year on: Henderson 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 force215200−7.0%
Median annual cost$1,064$1,108+4.1%
Average annual cost$1,204$1,226+1.8%
All policies in force (any building)259250−3.5%

How many homes have flood insurance?

1.4%of all homes in Henderson County have an NFIP policy
20.7%of homes in high-risk zones (special flood hazard area) have one
17,432residential buildings counted by FEMA
1,139of 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 Henderson County, Kentucky have filed 380 flood claims. 329 received a payment, for a total of $6,331,192 (an average of $19,244 per paid claim). The year with the most claims was 2005 (57 claims). Amounts are in dollars of the time, not adjusted for inflation.

02040608019801983: 16 claims, 13 paid, $125,434 in total19901997: 46 claims, 41 paid, $416,033 in total199720002005: 57 claims, 55 paid, $1,429,916 in total20052006: 46 claims, 40 paid, $782,102 in total20062008: 37 claims, 31 paid, $395,576 in total20102011: 43 claims, 34 paid, $451,645 in total2018: 38 claims, 36 paid, $783,513 in total20202025: 38 claims, 37 paid, $1,662,345 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 (8)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20253837$1,662,345$44,928
20183836$783,513$21,764
20114334$451,645$13,284
20083731$395,576$12,761
20064640$782,102$19,553
20055755$1,429,916$25,998
19974641$416,033$10,147
19831613$125,434$9,649

From 2016 to 2026: 76 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

Henderson (104 home policies) · Unincorporated Henderson County (96 home policies)