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Flood insurance cost · Johnson County, KY

Flood insurance cost in Johnson County, Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 166 home policies in force on August 31, 2026.

Johnson County, KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,572a year

Half of insured homes paid between $1,201 and $2,179. That is 30% more than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (73%).

$0$1,201 · $1,572 · $2,179$2,724
+15.5% vs Aug 31, 2025 (median $1,361)
166home policies in force
$1,826average cost (mean)
89%of insured homes in high-risk zones (A, V)
$125,000median 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 Johnson County.

Cost by flood zone in Johnson 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		$1,589$1,175–$2,224$1,829122 (73%)+9.1%
Zone A
High risk		$1,574$1,415–$2,179$1,93325 (15%)+14.2%
Zone X
Moderate to low risk		$1,237$1,104–$1,626$1,66219 (11%)+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 Johnson County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home149$1,571$1,854
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		27$3,804$5,253

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).

196NFIP policies in force, any building
196insured units (condo association policies count every unit)
37%of home policies also cover contents
$57,500median contents coverage, when bought

One year on: Johnson 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 force183166−9.3%
Median annual cost$1,361$1,572+15.5%
Average annual cost$1,595$1,826+14.5%
All policies in force (any building)218196−10.1%

How many homes have flood insurance?

2.3%of all homes in Johnson County have an NFIP policy
13.6%of homes in high-risk zones (special flood hazard area) have one
9,151residential buildings counted by FEMA
1,423of 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 Johnson County, Kentucky have filed 311 flood claims. 243 received a payment, for a total of $5,250,010 (an average of $21,605 per paid claim). The year with the most claims was 1984 (85 claims). Amounts are in dollars of the time, not adjusted for inflation.

025507510019801984: 85 claims, 66 paid, $550,092 in total1984199020002003: 21 claims, 14 paid, $107,625 in total2004: 23 claims, 22 paid, $707,290 in total20102014: 19 claims, 15 paid, $450,364 in total2015: 27 claims, 20 paid, $759,991 in total2019: 30 claims, 30 paid, $1,168,996 in total201920202021: 37 claims, 32 paid, $757,331 in total20212025: 13 claims, 12 paid, $439,144 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
20251312$439,144$36,595
20213732$757,331$23,667
20193030$1,168,996$38,967
20152720$759,991$38,000
20141915$450,364$30,024
20042322$707,290$32,150
20032114$107,625$7,688
19848566$550,092$8,335

From 2016 to 2026: 80 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 Johnson County (109 home policies) · Paintsville (57 home policies)