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Flood insurance cost · Jefferson County, KY

Flood insurance cost in Jefferson County, Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,677 home policies in force on August 31, 2026.

Jefferson County, KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,155a year

Half of insured homes paid between $823 and $1,648. That is 5% less than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (79%).

$0$823 · $1,155 · $1,648$2,060
+10.3% vs Aug 31, 2025 (median $1,047)
2,677home policies in force
$1,352average cost (mean)
81%of insured homes in high-risk zones (A, V)
$167,000median 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: 5 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Jefferson County.

Cost by flood zone in Jefferson 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		$1,238$879–$1,805$1,4512,125 (79%)+8.4%
Zone A
High risk		$1,038$864–$1,140$1,13331 (1%)+8.7%
Zone X
Moderate to low risk		$904$621–$1,200$961521 (19%)+6.6%

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 Jefferson County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,539$1,167$1,364
2–4 unit building48$1,690$1,847
Condo or apartment unit84$656$736
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.		259$3,636$4,013
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		375$2,485$3,369

Not shown (fewer than 10 policies): manufactured (mobile) home.

3,311NFIP policies in force, any building
3,858insured units (condo association policies count every unit)
46%of home policies also cover contents
$58,000median contents coverage, when bought

One year on: Jefferson 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 force2,7932,677−4.2%
Median annual cost$1,047$1,155+10.3%
Average annual cost$1,258$1,352+7.5%
All policies in force (any building)3,4693,311−4.6%

How many homes have flood insurance?

1.2%of all homes in Jefferson County have an NFIP policy
52.8%of homes in high-risk zones (special flood hazard area) have one
243,583residential buildings counted by FEMA
4,595of 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 Jefferson County, Kentucky have filed 5,566 flood claims. 4,450 received a payment, for a total of $98.9 million (an average of $22,232 per paid claim). The year with the most claims was 1997 (1,563 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 197 claims, 179 paid, $735,972 in total1979: 164 claims, 122 paid, $323,510 in total19801981: 11 claims1982: 23 claims1983: 132 claims, 81 paid, $291,182 in total1984: 13 claims1985: 18 claims, 14 paid, $71,153 in total1987: 10 claims1989: 101 claims, 66 paid, $407,352 in total1990: 108 claims, 68 paid, $652,584 in total19901991: 68 claims, 56 paid, $410,794 in total1992: 38 claims, 20 paid, $130,241 in total1993: 17 claims, 13 paid, $129,506 in total1994: 65 claims, 54 paid, $312,395 in total1995: 31 claims, 24 paid, $172,344 in total1996: 150 claims, 124 paid, $1,045,664 in total1997: 1,563 claims, 1,317 paid, $29,479,409 in total19971998: 12 claims1999: 48 claims, 41 paid, $236,714 in total2000: 86 claims, 60 paid, $490,985 in total20002001: 12 claims, 12 paid, $251,479 in total2002: 33 claims, 22 paid, $164,578 in total2003: 26 claims, 16 paid, $344,816 in total2004: 72 claims, 61 paid, $734,149 in total2005: 67 claims, 62 paid, $964,796 in total2006: 287 claims, 243 paid, $5,608,737 in total2007: 13 claims2008: 91 claims, 69 paid, $742,789 in total2009: 327 claims, 278 paid, $3,275,326 in total20092010: 26 claims, 14 paid, $89,092 in total20102011: 258 claims, 201 paid, $5,006,632 in total2012: 16 claims, 10 paid, $111,847 in total2013: 212 claims, 176 paid, $4,621,283 in total2015: 587 claims, 485 paid, $12,737,081 in total20152018: 289 claims, 243 paid, $13,601,016 in total2019: 44 claims, 34 paid, $757,544 in total2020: 14 claims, 11 paid, $112,139 in total20202021: 27 claims, 19 paid, $571,122 in total2023: 12 claims2025: 251 claims, 201 paid, $13,761,749 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 (40)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2025251201$13,761,749$68,466
202312<10––
20212719$571,122$30,059
20201411$112,139$10,194
20194434$757,544$22,281
2018289243$13,601,016$55,971
2015587485$12,737,081$26,262
2013212176$4,621,283$26,257
20121610$111,847$11,185
2011258201$5,006,632$24,909
20102614$89,092$6,364
2009327278$3,275,326$11,782
20089169$742,789$10,765
200713<10––
2006287243$5,608,737$23,081
20056762$964,796$15,561
20047261$734,149$12,035
20032616$344,816$21,551
20023322$164,578$7,481
20011212$251,479$20,957
20008660$490,985$8,183
19994841$236,714$5,774
199812<10––
19971,5631,317$29,479,409$22,384
1996150124$1,045,664$8,433
19953124$172,344$7,181
19946554$312,395$5,785
19931713$129,506$9,962
19923820$130,241$6,512
19916856$410,794$7,336
199010868$652,584$9,597
198910166$407,352$6,172
198710<10––
19851814$71,153$5,082
198413<10––
198313281$291,182$3,595
198223<10––
198111<10––
1979164122$323,510$2,652
1978197179$735,972$4,112

From 2016 to 2026: 637 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.

ZIP codes in Jefferson County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Metro. Govt. of Louisville and Jefferson County (2,677 home policies)