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Flood insurance cost · Oldham County, KY

Flood insurance cost in Oldham County, Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 222 home policies in force on August 31, 2026.

Oldham County, KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,794a year

Half of insured homes paid between $1,198 and $3,148. That is 48% more than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (82%).

$0$1,198 · $1,794 · $3,148$3,935
+8.5% vs Aug 31, 2025 (median $1,653)
222home policies in force
$2,399average cost (mean)
86%of insured homes in high-risk zones (A, V)
$250,000median 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 Oldham County.

Cost by flood zone in Oldham 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		$2,011$1,296–$3,451$2,658182 (82%)+8.8%
Zone A
High risk		$1,178$939–$2,726$1,87210 (5%)+15.3%
Zone X
Moderate to low risk		$946$608–$1,293$1,00230 (14%)−1.3%

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 Oldham County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home218$1,794$2,412

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), non-residential building or unit.

225NFIP policies in force, any building
225insured units (condo association policies count every unit)
65%of home policies also cover contents
$58,500median contents coverage, when bought

One year on: Oldham 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 force240222−7.5%
Median annual cost$1,653$1,794+8.5%
Average annual cost$2,241$2,399+7.1%
All policies in force (any building)243225−7.4%

How many homes have flood insurance?

1.1%of all homes in Oldham County have an NFIP policy
58.0%of homes in high-risk zones (special flood hazard area) have one
21,303residential buildings counted by FEMA
362of 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 Oldham County, Kentucky have filed 1,084 flood claims. 975 received a payment, for a total of $27.6 million (an average of $28,306 per paid claim). The year with the most claims was 1997 (188 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 72 claims, 59 paid, $236,807 in total1979: 29 claims, 27 paid, $67,582 in total19801983: 11 claims1989: 17 claims, 15 paid, $50,940 in total1990: 12 claims, 12 paid, $153,672 in total19901991: 50 claims, 48 paid, $261,988 in total1996: 65 claims, 56 paid, $459,968 in total1997: 188 claims, 181 paid, $7,295,605 in total199720002005: 36 claims, 35 paid, $369,671 in total20102011: 115 claims, 97 paid, $1,841,453 in total2015: 69 claims, 62 paid, $1,099,101 in total2018: 152 claims, 143 paid, $6,638,888 in total20182019: 25 claims, 23 paid, $323,830 in total20202021: 22 claims, 21 paid, $282,095 in total2025: 153 claims, 142 paid, $8,003,651 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2025153142$8,003,651$56,364
20212221$282,095$13,433
20192523$323,830$14,080
2018152143$6,638,888$46,426
20156962$1,099,101$17,727
201111597$1,841,453$18,984
20053635$369,671$10,562
1997188181$7,295,605$40,307
19966556$459,968$8,214
19915048$261,988$5,458
19901212$153,672$12,806
19891715$50,940$3,396
198311<10––
19792927$67,582$2,503
19787259$236,807$4,014

From 2016 to 2026: 352 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 Oldham County (207 home policies) · Crestwood (14 home policies)