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Flood insurance cost · Pike County, KY

Flood insurance cost in Pike County, Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 661 home policies in force on August 31, 2026.

Pike County, KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,352a year

Half of insured homes paid between $1,008 and $2,050. That is 12% more than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (58%).

$0$1,008 · $1,352 · $2,050$2,562
+16.0% vs Aug 31, 2025 (median $1,166)
661home policies in force
$1,706average cost (mean)
74%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: 4 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Pike County.

Cost by flood zone in Pike 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		$1,624$1,022–$2,462$1,938382 (58%)+13.5%
Zone A
High risk		$1,450$984–$2,060$1,669106 (16%)+16.3%
Zone X
Moderate to low risk		$1,186$1,002–$1,282$1,218173 (26%)+20.0%

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 Pike County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home539$1,362$1,760
Manufactured (mobile) home118$1,228$1,444
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.		12$1,619$3,268
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		150$4,664$5,712

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

823NFIP policies in force, any building
823insured units (condo association policies count every unit)
57%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: Pike 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 force717661−7.8%
Median annual cost$1,166$1,352+16.0%
Average annual cost$1,487$1,706+14.7%
All policies in force (any building)899823−8.5%

How many homes have flood insurance?

3.5%of all homes in Pike County have an NFIP policy
21.4%of homes in high-risk zones (special flood hazard area) have one
26,493residential buildings counted by FEMA
3,461of 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 Pike County, Kentucky have filed 2,492 flood claims. 2,175 received a payment, for a total of $56.3 million (an average of $25,892 per paid claim). The year with the most claims was 1984 (667 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 99 claims, 88 paid, $401,449 in total1979: 101 claims, 85 paid, $500,318 in total1980: 17 claims, 11 paid, $26,232 in total19801981: 113 claims, 105 paid, $707,147 in total1982: 15 claims, 10 paid, $43,581 in total1984: 667 claims, 591 paid, $10,414,326 in total19841987: 15 claims1989: 118 claims, 100 paid, $623,406 in total19901991: 12 claims1996: 82 claims, 73 paid, $1,282,093 in total1997: 36 claims, 32 paid, $170,237 in total1998: 14 claims20002001: 11 claims, 10 paid, $109,864 in total2002: 86 claims, 64 paid, $881,008 in total2003: 74 claims, 63 paid, $716,631 in total2004: 24 claims, 20 paid, $277,355 in total2007: 32 claims, 30 paid, $333,209 in total2009: 223 claims, 208 paid, $7,470,081 in total20092010: 103 claims, 93 paid, $6,434,221 in total20102012: 17 claims, 13 paid, $195,090 in total2015: 44 claims, 39 paid, $820,000 in total2018: 13 claims, 11 paid, $167,186 in total20202021: 44 claims, 37 paid, $892,498 in total2022: 135 claims, 124 paid, $4,522,778 in total2025: 304 claims, 283 paid, $18,405,910 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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2025304283$18,405,910$65,039
2022135124$4,522,778$36,474
20214437$892,498$24,122
20181311$167,186$15,199
20154439$820,000$21,026
20121713$195,090$15,007
201010393$6,434,221$69,185
2009223208$7,470,081$35,914
20073230$333,209$11,107
20042420$277,355$13,868
20037463$716,631$11,375
20028664$881,008$13,766
20011110$109,864$10,986
199814<10––
19973632$170,237$5,320
19968273$1,282,093$17,563
199112<10––
1989118100$623,406$6,234
198715<10––
1984667591$10,414,326$17,622
19821510$43,581$4,358
1981113105$707,147$6,735
19801711$26,232$2,385
197910185$500,318$5,886
19789988$401,449$4,562

From 2016 to 2026: 496 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 Pike County (559 home policies) · Pikeville (61 home policies) · Coal Run Village (37 home policies)