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Flood insurance cost · Woodford County, KY

Flood insurance cost in Woodford County, Kentucky

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 112 home policies in force on August 31, 2026.

Woodford County, KentuckyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,771a year

Half of insured homes paid between $1,077 and $2,924. That is 46% more than the Kentucky median ($1,210). Most insured homes here are rated in zone AE (76%).

$0$1,077 · $1,771 · $2,924$3,655
+12.7% vs Aug 31, 2025 (median $1,572)
112home policies in force
$2,208average cost (mean)
87%of insured homes in high-risk zones (A, V)
$160,500median 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 Woodford County.

Cost by flood zone in Woodford 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		$1,925$1,353–$3,026$2,46785 (76%)+13.6%
Zone A
High risk		$1,122$765–$2,703$1,87512 (11%)–
Zone X
Moderate to low risk		$1,064$820–$1,147$1,01215 (13%)+18.0%

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 Woodford County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home109$1,763$2,214
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		35$3,032$5,835

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).

147NFIP policies in force, any building
147insured units (condo association policies count every unit)
53%of home policies also cover contents
$56,000median contents coverage, when bought

One year on: Woodford 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 force119112−5.9%
Median annual cost$1,572$1,771+12.7%
Average annual cost$1,963$2,208+12.5%
All policies in force (any building)154147−4.5%

How many homes have flood insurance?

1.1%of all homes in Woodford County have an NFIP policy
36.1%of homes in high-risk zones (special flood hazard area) have one
11,004residential buildings counted by FEMA
305of 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 Woodford County, Kentucky have filed 511 flood claims. 467 received a payment, for a total of $17.1 million (an average of $36,552 per paid claim). The year with the most claims was 1997 (78 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801978: 29 claims, 29 paid, $540,098 in total19801984: 35 claims, 33 paid, $107,620 in total1989: 77 claims, 70 paid, $1,119,564 in total198919901997: 78 claims, 75 paid, $1,525,984 in total199720002006: 11 claims, 11 paid, $286,937 in total2008: 16 claims, 16 paid, $218,459 in total2010: 75 claims, 71 paid, $2,622,449 in total201020102015: 16 claims, 14 paid, $261,912 in total2018: 24 claims, 13 paid, $1,056,036 in total20202021: 34 claims, 30 paid, $1,001,961 in total2025: 73 claims, 72 paid, $8,126,278 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 (11)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20257372$8,126,278$112,865
20213430$1,001,961$33,399
20182413$1,056,036$81,234
20151614$261,912$18,708
20107571$2,622,449$36,936
20081616$218,459$13,654
20061111$286,937$26,085
19977875$1,525,984$20,346
19897770$1,119,564$15,994
19843533$107,620$3,261
19782929$540,098$18,624

From 2016 to 2026: 131 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 Woodford County (82 home policies) · Midway (23 home policies)