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Flood insurance cost · McCracken County, KY

Flood insurance cost in McCracken County, Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 165 home policies in force on August 31, 2026.

McCracken County, KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,122a year

Half of insured homes paid between $824 and $1,417. That is 7% less than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (54%).

$0$824 · $1,122 · $1,417$1,771
+7.3% vs Aug 31, 2025 (median $1,046)
165home policies in force
$1,179average cost (mean)
62%of insured homes in high-risk zones (A, V)
$200,000median 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: 4 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in McCracken County.

Cost by flood zone in McCracken 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		$1,192$936–$1,630$1,28389 (54%)+5.3%
Zone A
High risk		$1,477$1,230–$1,823$1,56413 (8%)±0.0%
Zone X
Moderate to low risk		$1,010$676–$1,204$95363 (38%)+9.2%

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 McCracken County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home144$1,130$1,198
Manufactured (mobile) home17$1,025$1,094
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		38$2,069$3,474

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

210NFIP policies in force, any building
210insured units (condo association policies count every unit)
72%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: McCracken 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 force175165−5.7%
Median annual cost$1,046$1,122+7.3%
Average annual cost$1,111$1,179+6.1%
All policies in force (any building)215210−2.3%

How many homes have flood insurance?

0.7%of all homes in McCracken County have an NFIP policy
23.4%of homes in high-risk zones (special flood hazard area) have one
27,339residential buildings counted by FEMA
569of 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 McCracken County, Kentucky have filed 307 flood claims. 260 received a payment, for a total of $8,636,645 (an average of $33,218 per paid claim). The year with the most claims was 2011 (67 claims). Amounts are in dollars of the time, not adjusted for inflation.

02040608019801985: 14 claims, 13 paid, $72,004 in total19901997: 32 claims, 29 paid, $300,762 in total1997200020102011: 67 claims, 64 paid, $2,804,624 in total20112013: 20 claims, 18 paid, $617,439 in total2015: 24 claims, 21 paid, $722,662 in total2019: 25 claims, 20 paid, $938,912 in total20202025: 54 claims, 47 paid, $2,872,165 in total2025
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 (7)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20255447$2,872,165$61,110
20192520$938,912$46,946
20152421$722,662$34,412
20132018$617,439$34,302
20116764$2,804,624$43,822
19973229$300,762$10,371
19851413$72,004$5,539

From 2016 to 2026: 79 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 McCracken County (132 home policies) · Paducah (33 home policies)